【作者】 杨培根；

【导师】 刘定华；

【作者基本信息】 湖南大学 ， 经济法， 2006， 硕士

【摘要】 商业银行并购是通过收购债权、控股、直接出资、购买股票等多种手段,取得被并购银行的所有权,使后者丧失法人资格(即被兼并),或改变其法人实体(即使其成为并购银行的分支机构),或合并成一个新的商业银行的法律行为。其表现形式主要包含收购、兼并与合并三种。在激烈的市场竞争中,商业银行无限制的并购严重影响着各国金融体系的稳定。市场经济是法治经济,商业银行并购作为一种市场行为,必须遵守市场法则。各国只有通过制定完备的法律制度规范和制约商业银行的并购行为,才能防范和化解金融风险,保障商业银行并购的有序进行、提高商业银行并购的效率,从而维护整个金融体系的稳定。我国商业银行并购起步比较晚,尽管我国政府制定了一些法律、法规对其进行调整和规范,但与发达国家银行并购法制相比,我国现行的银行并购法律制度还很不完善,没有一部统一的规制商业银行并购的银行并购法,与银行并购有关的许多问题也得不到法律的规制。随着我国金融业对外的完全开放,国际国内银行并购的竞争将更加严峻,因此,我国政府应在借鉴发达国家银行并购法制建设经验的基础上,并结合我国的实际情况,尽快从宏观和微观两个层面完善我国商业银行并购的法律制度。在宏观上,我国应树立正确的指导思想,进一步完善银行并购的立法理念,为构建整个银行并购法律体系指明方向;在微观上,我国应尽快制定商业银行并购法,明确规定银行并购的适用范围、银行并购的效力与原则、并购程序、并购制度、主管机构的职责以及并购中违法者的法律责任等。同时,还需进一步完善与银行并购有关的法律制度,如反垄断法律制度、反恶意收购法律制度、资产评估法律制度等。更多还原

【Abstract】 Commercial Bank M&A is a take-over of property in some extent resulting in the transfer of the assets ownership from the target commercial bank to the acquiring one which increases its economic power and speeds up to realize its economic aim. It includes three kinds legal form, such as merger, consolidation and acquisition etc .With the sharp complete of market place. That commercial banks merger and acquire at random effects the stable of financial system in all kinds of countries. As market-directed economy is a kind of rule of law economy, commercial bank M&A must adhere to the rule of market that M&A is a market-directed conduct. Governments of countries work out law system about Bank M&A, so bank M&A can go on orderly and efficiently and stabilize the banking.Compared with the law system of Bank M&A of relatively developed foreign countries, China hasn’t adopted any specific law to regulate the bank M&A, so that some questions about Bank M&A can not be regulated by law. With our finance trade being opened to traffic, commercial bank M&A competes more severely. Therefore, on the basis of using the legislation of the western countries as a reference, and take into account Chinese situation, our government should perfected the law system about Bank M&A in macroscopic level and microcosmic level. Macroscopically, our government should set up right guide ideology, and perfect the thought of the legal regulations, so that indicates the road for our country’s commercial Bank M&A, and draws up some favourable policies and advances ability of superintendent, so that structure a good outside environment for Bank M&A. Microcosmically, China should reconstruct its bank industry and set forward some laws to regulate the commercial Bank M&A. adopt a law to regulate the Cross-border bank M&A according to the WTO system. Next, the legislative branch should engage itself in the improvement of some relevant laws, such as antitrust law, the law of evaluation on state-owned assets.更多还原