我国商业银行不良资产处置立法研究

湘潭大学硕士学位论文我国商业银行不良资产处置立法研究姓名：罗东旭申请学位级别：硕士专业：法律·经济法学指导教师：陈乃新20081006AbstractFinanceisthecoreofmoderneconomy,andtherelationshipsbetweenfinanceandothereconomicelementsarecloserandcloser.Ifthereiscrisisinfinance,thehealthydevelopmentofwholeeconomywillbedestroyed.Theproblemsofnon-performingassetsofstate-ownedcommercialbanksinChinahavebeenconcernedbythegeneralpublic.Sohowtosolvetheproblemsofnon-performingassetsofstate-ownedcommercialbankshasveryimportantpracticalsignificance.ThearticlebeginswithaninstructionopinionfromHunanhigherpeople’scourtwhichguideshowtodealwithcasesaboutpeelingpropertydisputes,anddiscussesthejudicialconfusionsoftheinstructionopinion.Theinstructionopinion’slegaleffectislowandrestrictedbyregion,soitcannotsolvepeelingpropertydisputesandtheproblemsofnon-performingassetsofstate-ownedcommercialbanksfundamentally.Itaffectstheworktodealwiththeproblemsofnon-performingassetsofstate-ownedcommercialbanksthattherelatedlawismissing.Thethirdchapteroftheessayresearchesthesituationoftheproblemsofnon-performingassetsofstate-ownedcommercialbanksinChina.Itmainlyanalyzesthereasonsofformingtheproblemsofnon-performingassetsofcommercialbanks,sumsuptheexperienceandinadequateabouthowtodealwiththeproblems,anddiscussesthelawobstaclestodealwiththeproblemsofnon-performingassetsandtheconfusionswhichalsoexistintheprocessoffinancialassetscompaniesdealingwithproblemsofnon-performingassets.Thereasonsoftheseconfusionsarethelawsdealingwiththeproblemsofnon-performingassetsaremissingandthereareconflictsamongtherelatedrulesinlawsandregulations,andtherulesdonotconformtothefinancialreformanddevelopmentinChina.Theforthchapterdiscussesthenecessityofworkingoutalawtodealwiththeproblemsofnon-performingassetsofstate-ownedcommercialbanksinChina.Itprovesthenecessityfromthefollowingaspects:oneisthereasonsofnon-performingassets’forming,thesecondistheapproachesusedbystate-ownedcommercialbankstodealwiththenon-performingassets,thethirdislearningforeignlegislationandexperiencesofdealingwiththenon-performingassets,theforthisremovingthelegalobstacles,theforthisprotectingthefinancialassetscompanies’status,thefifthisinnovationoftechniquesabouthowtodealwiththenon-performingassets.Atlast,thearticlemadesomesuggestionsaboutthelawofdealingwiththenon-performingassetsinChina.Thearticlepromotestwoproblemsthatdealingwiththenon-performingassetslegalizationintransitionandinnormalconditionsshouldbesolved.Theauthorarguesthatweshouldpromotethehierarchyoftheregulationsofdealingwiththenon-performingassetsandworkoutspeciallawtodealwiththenon-performingassetsinnormalorabnormalconditions.Itneedsussummarizingtheexperiencesofpastandabroad,adjustingtherelationsbetweenthenewlawandotherlaw,workingoutsomespecialrulestoestablishspecialagencyinfinancialassetscompaniestodealwiththenon-performingassets,toadjustthemarketandcommercializedbehaviorsofdealingwithnon-performingassets,andtoascertaintheresponsibilitiesintheformingofnon-performingassetsandprocessofdealingwithnon-performingassets.Makethemethodsofdealingwithnon-performingassetsinnormalandabnormalconditionsbeoperational,promotetheefficiencyofdealingwithnon-performingassets,andreinforcethestrengthofdealingwithnon-performingassets,inordertokeepthenon-performingassets’birthwithinlimitfundamentallyandprotectthedevelopmentoffinanceinChina.Keywords:financialassets;non-performingassets;dealwiththeassets;legislation;conception111.1[2005]131.2()2005714[2005]132[2005]131.3322.12005614[2005]132.2[2005]1312:,()[2005]134()()()(1)(2)(3)(4)(5)2.32.3.1[2005]13520071230%80%2.3.22.3.32.4[2005]136“”20012001431167“”733.13.1.119981998;;199971719992633483.1.2------9:(),,10:;;;;3.23.2.190199827001119991.460%39%15%2003-2004737464.3%409535.7%114692.54692000500358523019974509.619961.24.875%25%3.2.21999,()1298672320071120H7.4417386.46,16560.60(10095.25),85.11%,14094.73209.64%737125%20003.2.3,,,,133.33.3.1163(P154-172)(,,P222,)3314432000200015200029784020002972000422()16199649“”173.3.23.43.4.1::18:50%10013:193.4.24328321920;3512::3.4.319997212005617(2004)252244.14.2234.34.424()--254.519991.43-4%4.62080(Saving&loanassociationS&L)198989(Resolution2226TrustCorporationRTC)RTC2090RTCRTC(FDIC)(RTC)8090FDICRTCFDICRTC+647474580274.7,28529305.1:(),5.1.15.1.2315.25.2.1325.2.2,5.2.35.2.4()96-97335.2.51933418101413445.2.65.35.3.1355.3.25.3.3()5.3.436,37619993839[1].[M].:,2001.[2].[M].:,2000.[3].[M].:,2008.[4].[M].:,2006.[5].[M].:,2005.[6],.[M].:,2004.[7],.[M].:,2007.[8].[M].:,2007.[9].[M].:,2007.[10].---[M].:,2004.[11].[M].:.2007.[12](),.[M].:,2003.[13].[M].:,1998.[14].[M].:,2006.[15].[M].:,2006.[16].[M].:,2007.[17].[M].:,2004.[18].[M].:,2002.[19].[J].,2005,(3).[20].[J].,2004,(3).[21].[J].,2002,(10).[22].[J].,2005,(13).[23],.[J].,2005,.[24].[J].(),2004,(2).[25].[N].,2005-8-4.[26],,.[J].,2002,(2).[27].[J].,2005,(9).[28],.[J].,2003,(10).[29].[J].,2002,(9).[30].[J].,2001,(6).[31].[J].,2005,(5).[32].[J].,2004,(5).[33].:[J].,2005,(1).40,!!200810