论我国商业银行接管法律制度的完善

On China commercial bank take over control legal system's perfection

商业银行接管作为银行危机处理的一种方式,在保护存款人利益和维护金融稳定方面发挥着重要作用。目前,我国商业银行接管法律制度基本形成,但是依然存在不足之处,主要问题有接管的条件过于模糊,缺乏明确具体的标准,接管组织的选任规定不明确、缺乏对接管组织的问责机制,接管程序不完善、缺乏接管措施的安排。本文拟对上述问题提出具体建议以完善我国商业银行接管法律。

Commercial Bank takeover as a way of dealing with banking crises,plays an important role in protecting the interests of depositors and maintaining financial stability.At present,China＇s commercial bank takeover system formed basically,but still exist deficiencies,the main problems are the conditions of takeover are too vague,the lack of clear and specific standards,the take-over Organization selection provisions are not clear,the lack of the takeover organization＇s accountability mechanisms,the program of takeover is not perfect,the lack of takeover measures arrangement.This paper intends to make specific recommendations on these issues in order to improve our commercial banks takeover law.