全面建构和完善中国商业银行接管制度

商业银行表面上是经营货币,但其本质却是经营风险的企业,如经营不当将导致金融风险,因而金融风险具有强烈的传导性。商业银行一旦发生风险,具有较大的破坏性。为使问题银行走出困境,减少由危机带来的巨大伤害,各国确立了很多制度和措施,而问题银行的接管便是其中的一种,它对保护存款人的利益和维护金融体系的安全与稳定发挥着重要作用。在中国,问题银行的接管制度已经初步形成,但还存在一些不足,主要是接管的原因缺乏操作性;接管人的选任机制不健全,职权不够明晰,责任机制缺乏;接管过程中行政权与司法权的协调机制不全面。本文针对上述问题提出了如何使之完善的具体建议。

The Perfection of The Taking-over System of Our Commercial Bank

The essence of the commercial bank is business risk instead of currency.Malpractices will lead to financial risk which has a strong conductivity.It will have a large destructive if commercial banks have financial risk.To make the bank out of the trouble and reduce the harm,many countries make measures to save the bank and receiver of the bank is one of them.It plays an important role in protecting the interests of depositors and maintaining the security and stability of the financial system.In China,the taking-over system of commercial has been initially formed,but there are still some shortcomings.Main problems are as follows: vague on conditions of receivership;absence of procedures on decision-making and appointing receivers;absence of regulations on the receivers rights and obligations;the lack of coordination between the executive and the judicial power.This paper presents recommendations to address the problems.