跨国银行破产的法律冲突及对策

The Judicial Conflict and Resolution of Multinational Bank Bankruptcy

随着经济全球化,越来越多的跨国银行在中国设立分支机构,中国的银行也开始走向国际大舞台。然而,金融风险、监管不善等原因,导致跨国银行破产,由于跨国银行的广泛性与国际性,涉及各国的破产法律也不尽相同,现行国际上的跨国银行破产法律制度原则有:普遍性原则与地域性原则、单一实体原则与独立实体原则。如何适用跨国银行破产法律,解决法律冲突问题,就是本文研究的重点。通过对美国、英国破产法律的研究,对我国跨国银行破产法律适用问题提出建议:完善国内破产法律、加强国际合作、坚持新实用主义原则、设立专门破产法院,做到跨国银行安全退市,最大限度的保护债权人利益,保护本国经济。

With the development of economic globalization,more and more multinational banks have set up their branches in China,China＇s banks also have begun to walk to the international arena. However,the financial risk,the poor supervision and some other reasons have lead to the bankruptcy,and because of the wide and international nature of the multinational banks,the insolvency laws of different countries are different. The current international insolvency law system of the Transnational Banks are： the universal principle and the regional principle,the single entity principle and the independent entity principle. How to apply the law of transnational bank insolvency and solve the conflict of law is the focus of this paper. According to the study of the bankruptcy laws of the United States and the United Kingdom,the paper have put forward suggestions to the legal issues of Transnational Bank Insolvency： improve the domestic bankruptcy laws,strengthen international cooperation,adhere to the principle of new pragmatism,set up a special court of bankruptcy,so as to protect the interests of the creditors and protect their own countries＇ s economy.