【作者】 陈敏；

【导师】 钟瑞庆；

【作者基本信息】 浙江大学 ， 法律硕士（非法学）（专业学位）， 2018， 硕士

【摘要】 文章基于现有关于商业银行内保外贷的法律规范,包括国家外汇管理局、中国人民银行、银监会、发改委及商务部等关于商业银行内保外贷监管的规定,以行政法逻辑思考,从监管主体、监管目标、监管手段入手并将其放置于整个宏观外汇监管体系,分析我国商业银行内保外贷监管的现状与问题,结合实践操作,本文针对上述问题提出完善建议。第一章为引言部分,主要介绍本文研究的经济背景和相关政策背景,同时介绍了内保外贷的模式和商业银行内保外贷业务的交易结构。第二章分析我国商业银行内保外贷的形成原因及监管必要性。首先,内保外贷形成于“绕道ODI”以规避外汇管制,同时商业银行业务的发展需求亦系内保外贷业务发展的推动因素。其次,本文从内保外贷履约产生风险的角度阐述对商业银行内保外贷进行监管的必要性。第三章论述当前对商业银行内保外贷的监管现状。第四章则在监管现状的基础上总结出当前监管存在的几个主要问题:监管主体及对象不明确、监管目标定位冲突及监管手段执行难度大。第五章在前述章节基础上,提出完善建议,即明确监管主体、明确监管对象定位、明确监管目标以及完善监管手段。第六章为结语部分,对我国商业银行内保外贷法律监管的概括性思考和展望。更多还原

【Abstract】 This article is based on the existing legal norms on the supervision system of the foreign loans for internal guarantees of commercial banks,including the regulations of the SAFE,the PBOC,the CBRC,the NDRC and the MOFCOM on the legal supervision system of the Foreign loans for internal guarantees of commercial banks.Moreover,the paper places the regulatory authority,the regulatory objectives and the regulatory means,which are based on the logic of Administrative Law,in the macro-regulation of foreign exchange.Furthermore,this paper analyzes the current situation and problems of the legal supervision of the foreign loans for internal guarantees.Additionally,suggestions combined with practical operation are put forward to solving the above problems.The first chapter is the introduction part,which mainly introduces the economic and related policy background of the research,the mode of the foreign loans for internal guarantees and its transaction structure.The second chapter analyzes causes of the foreign loans for internal guarantees apprearance and the necessity of supervision.Firstly,the foreign loans for internal guarantees were formed by "bypass ODI" to avoid the regulation of foreign exchange.Simultanously,the demand for the development of commercial banks business is a driving factor of the foreign loans for internal guarantees.Secondly,this paper elaborates the necessity of supervision of the foreign loans for internal guarantees of commercial banks by analyzing risks of the foreign loans for internal guarantees.Chapter 3 states the current regulation of the foreign loans for internal guarantees of commercial banks.In the fourth chapter,the paper concludes several main problems of the current supervision based on the third chapter:the subject and object is not clear,the target of supervision is not accurate,and the enforcement of regulatory means is difficult.The fifth chapter puts forward some suggestions like clearing the subject,defining the position of the object,clearing the target and perfecting supervision means.The last chapter is a conclusion of this article,which is the general thinking and a vision of futurity on the legal supervision of the foreign loans for internal guarantees of commercial banks.更多还原