商业银行股东加重责任制度的理念探究与工具构建  

The Concept Exploration and Tool Construction of the Enhanced Obligation System of the Commercial Bank Shareholders

作　　者：路腾 LU Teng(North China University of Technology,Beijing 100093,China)

机构地区：[1]北方工业大学

出　　处：《新疆财经大学学报》2019年第3期52-59,共8页Journal of Xinjiang University of Finance & Economics

摘　　要：随着银行业的发展,以银行为重点的金融控股公司模式已不罕见,由此亦导致监管难度不断增加、风险问题不断增多。商业银行股东加重责任制度兼有追求实质公平与引导金融创新两种理念,是对公司制度中有限责任的补充与拓展,于我国当下而言有着防范道德风险、稳定金融创新、提高监管弹性的作用。本文从商业银行股东加重责任制度的理念出发,论证这一制度在法理上的合理性,探索动态原则下股东加重责任制度监管工具的构建。通过分析其对我国的特殊意义,进一步提出通过规则建构、自律监管、明确责任主体范围及设计梯度化标准等路径与方法来建构我国商业银行股东加重责任制度。With the development of the banking industry,financial holding companies dominated by commercial banks is growing.This makes financial regulation more difficult,and also causes more risks.The enhanced obligation system of the commercial bank shareholders has two concepts of pursuing substantial fairness and guiding financial innovation,which is a supplement and expansion of limited liability in the corporate system,and plays a role in preventing moral hazard,stabilizing financial innovation and improving regulatory flexibility in China.Based on the two concepts,this paper demonstrates the rationality of this system in terms of legal principles.According to the foreign supervision practice,this paper analyze three characteristics about the system.Through the analysis of its special significance to our country,further put forward some paths or methods to construct the system in China,such as rule construction,self-regulation,definition of the scope of liability subjects and design of gradient standards.

关 键 词：股东加重责任制度 金融控股公司 道德风险 银行业监管 

分 类 号：F832.33[经济管理—金融学]