我国银行业金融机构市场退出法律制度研究  

On the Law System of Chinese Banking Financial Institutions' Market Withdrawal

作　　者：胡艳香[1] 汤凌霄[2] 

机构地区：[1]湖南商学院法学院,湖南长沙410205 [2]长沙理工大学经济与管理学院,湖南长沙410076

出　　处：《湖南商学院学报》2011年第1期99-105,119,共8页Journal of Hunan Business College

基　　金：国家软科学研究计划项目<我国银行业市场退出机制研究>(编号:2010GXS5D242);湖南省自然科学基金项目(编号:09JJ3129)

摘　　要：由于缺乏完善、规范化的法律制度,我国银行业金融机构退出实践中出现政府过度干预、债务支付方式注重短期效应、存款安全倚仗政府隐性担保等严重问题。有必要以维护整个银行业金融体系安全和金融市场发展为总目标,确立市场运作、审慎监管、个人储蓄存款优先保护等基本原则,选择合理的立法模式和法律形式来制定和完善我国银行业金融机构市场退出法律制度。Due to the defects in the legal system,the practices of market withdrawal in China＇s banking financial institutions have shown some serious problems such as excessive government interventions,too much concern on short-term effects of debt payment,dependence on governmental implied warranty of deposits safety.We need to maintain the safety of banking system security and the development of financial market as the overall objective,to establish the basic principles such as the operation of the market,prudential regulation and give top priority to saving deposits.On the basis of existing law,we should choose rational legislation and legal form to improve the legal system of the market exit of banking institutions.

关 键 词：银行业金融机构 市场退出 并购 撤销 破产 

分 类 号：D922.28[政治法律—经济法学]