民营银行股东加重责任的界定与进路——金融稳定法、商业银行法与公司法的三重维度  

Defi nition and Approach of Expandingobligations of Shareholders in Private Banks——From the Perspectives of Financial Stability Law,Commercial Banking Lawand Corporate Law

作　　者：戴颖洁 DAI Yingjie

机构地区：[1]华东政法大学经济法学院,上海市200042

出　　处：《吉林金融研究》2024年第5期61-70,共10页Journal of Jilin Financial Research

摘　　要：股东加重责任本质上是为主要股东设置的一种保护公共资金的资本补充责任和促进民营经济发展的增信责任。民营银行股东“剩余风险责任”的规定效力位阶不足,且现有政策框架内缺乏对加重责任适用阶段、主体范围和法律后果等问题的规定。股东加重责任对有限责任制度的冲突,体现了金融监管的不断强化与风险预防折射到金融商法上的公法益与私法益之间的冲突。从金融稳定法角度为股东加重责任提供宏观性、基础性规定,从商业银行法角度进一步细化民营银行股东加重责任的具体制度内容,从公司法角度创设私法基础,三法合力完善加重责任制度体系框架。The expandingobligation of shareholders is essentially a kind of capital supplement responsibility for major shareholders to protect public funds and a credit enhancement responsibility to promote the development of private economy.The provisions on"residual risk liability"of shareholders of private banks are not effective enough,and there is a lack of provisions on the application stage,scope of subject and legal consequences of expanding obligations within the existing policy framework.The confl ict between the expanding obligations of shareholders and the limited liability system refl ects the confl ict between the public and private legal interests of the fi nancial and commercial law that is refl ected in the continuous strengthening of fi nancial supervision and risk prevention.From the perspective of the Financial Stability Law,it provides macro and basic provisions,further refi nes the specifi c system content of private banks'shareholders'expanding obligations from the perspective of the Commercial Bank Law,and creates a private law foundation from the perspective of the Corporate Law,so as to improve the institutional framework of the increased liability system of the three laws.

关 键 词：民营银行 加重责任 资本补充 

分 类 号：F830[经济管理—金融学]