商业银行并购的法律性质及其制度完善

Research on the Legal Characters and the Systematic Improvement of Commercial Bank M&A

商业银行并购行为具有多重法律性质,对其进行调整的法律体系应当体现意思自治、效率、反垄断等基本原则。我国现有商业银行并购法律未能严格遵循以上原则且缺乏系统性。有必要在准确把握银行并购法律性质的基础上制定《商业银行并购条例》,完善银行并购民事合同制度、申报审批以及反垄断制度等,从而有效地维护我国银行业金融体系安全和金融市场发展。

Commercial Bank M＆A is an act which has multiple legal characters. The legal system of banking M＆A should reflect the basic principles such as autonomy of the will, efficiency, anti - monopoly. Related laws in China are fragmentary and failure to strictly comply with these principles. To effectively safeguard the safety of China＇s banking system and financial market development, it is necessary to grasp the legal characters of banking M＆A, on basis of which to institute ＂ Commercial Bank M ＆ A Regulations＂ and improve the legal systems of banking M ＆ A contract, reporting and appruval, antitrust etc.