商业银行论文：经济全球化条件下商业银行并购的反垄断法律规制研究.doc

商业银行论文：经济全球化条件下商业银行并购的反垄断法律规制研究【中文摘要】随着经济全球化的发展,世界范围内掀起了商业银行并购高潮。在此背景下,我国根据入世议定书的规定全面放开国内银行市场,使相对薄弱的商业银行直面外资银行并购的冲击。当前国内除了国有商业银行外,其他商业银行仍有待发展,而并购是商业银行增强自身实力的重要方式之一,但在并购的同时又要防止市场力量集中形成垄断对竞争造成影响。因此,需要对商业银行并购进行反垄断法律规制。但目前我国几乎没有专门的商业银行并购反垄断法律,相关法规也缺乏规定。虽然反垄断法作为竞争基本法同样适用于商业银行并购,但商业银行有不同于一般企业的地方,需要针对其特殊性作出专门的规定。而美欧作为世界上商业银行并购活跃的地区,从实体规则和程序规则方面建立了一套较为完善的商业银行并购反垄断法律体系,值得我们研究借鉴。为此,本文拟通过对美欧商业银行并购反垄断法律规制的比较研究,立足我国商业银行并购反垄断法律规制现状,提出借鉴美欧先进经验完善我国商业银行并购反垄断法律规制的建议。本文主要包括三部分：第一部分从商业银行并购反垄断法律规制概述入手,分别对并购和商业银行并购的概念进行界定,廓清其涵义,明确本论文要研究的对象。并从商业银行并购所带来的影响以及我国商业银行并购规制现状出发分析对商业银行并购进行反垄断法律规制的必要性。第二部分从商业银行并购反垄断立法概况、反垄断审查机构、实体审查、审查程序这四个方面分别介绍了美国、欧盟商业银行并购反垄断法律制度,在此基础上对它们之间的异同进行比较研究,以便为完善我国商业银行并购反垄断法律规制提供借鉴。第三部分立足我国国情与现有法律法规,从我国商业银行并购反垄断立法概况、反垄断审查机构、实体审查、审查程序这四方面分别分析阐述我国商业银行并购反垄断的立法现状及存在的问题,进而借鉴美国、欧盟商业银行并购反垄断法律规制的经验有针对性地提出完善我国商业银行并购反垄断法律规制的建议。【英文摘要】With the development of economic globalization, commercial bank mergers and acquisitions (M&A) have been surging high in the whole world. In the context, our country completely opens up the domestic baking market according to the Chinas Accession Protocol, which makes commercial banks with relatively weak competitiveness face the impact of mergers and acquisitions of foreign banks. Now in addition to domestic state-owned commercial banks, other commercial banks are still to be developed. And M&A is one of the important ways for commercial banks to enhance their strength. While M&A, we should prevent concentration of market power from forming the monopoly which makes impact on competition. Therefore, M&A of commercial banks need to be regulated by antitrust laws. However, at present, our country almost has no antitrust laws which specified on commercial bank M&A, as well as relevant laws and regulations. Although as the basic competition law, “the Antitrust Law” is also applicable to commercial bank M&A, it needs to make special regulations for the particularities of commercial banks as they are different from common enterprises. As the district where commercial bank M&A are active, America and Europe have established a perfect legal system against monopoly on commercial bank M&A from the substantive rules and procedural rules which deserving our using for reference. Therefore, this article makes a comparative study on antitrust laws of commercial bank M&A of America and Europe, and based on our countrys current situation of antitrust laws about commercial bank M&A, advances some suggestions on perfecting our countrys antitrust laws of commercial bank M&A with using American and European advanced experiences for reference. This paper mainly consists of three parts:Part One starting with summary of antitrust laws of commercial bank M&A, defines the concepts of M&A and commercial bank M&A and clarifies their meaning in order to clear the object that the paper must study. And then it analyses the necessity of antitrust regulations on commercial bank M&A from the influence of commercial bank M&A and our countrys current situation of antitrust laws on commercial bank M&A.Part Two introduces the systems of antitrust laws on commercial bank M&A of America and Europe from the general legislation of antitrust laws on commercial bank M&A, institutions of anti-monopoly, entity examination and the examination procedure, on the basis of which, the author compares their similarities and differences in order to provide reference for perfecting our countrys antitrust laws on commercial bank M&A.Part Three based on our national conditions and the existing laws and regulations, analyses the actuality and the problems of our countrys antitrust laws about commercial bank M&A from our countrys general legislation of antitrust laws on commercial bank M&A, institutions of anti-monopoly, entity examination and the examination procedure. And then the author propose target-oriented suggestion on perfecting our countrys antitrust laws on commercial bank M&A by using the advanced experience of America and Europe for reference.【关键词】商业银行 并购 反垄断【英文关键词】commercial bank M&A anti-monopoly【目录】经济全球化条件下商业银行并购的反垄断法律规制研究摘要3-4ABSTRACT4-5引言8-10一、商业银行并购反垄断法律规制概述10-13(一) 相关概念界定10-111. 并购的概念10-112. 商业银行并购的概念11(二) 商业银行并购反垄断法律规制的必要性11-13二、美国、欧盟商业银行并购反垄断法律制度及其比较13-27(一) 美国商业银行并购反垄断法律制度13-181. 商业银行并购反垄断立法概况13-142. 商业银行并购反垄断审查机构14-153. 实体审查15-174. 审查程序17-18(二) 欧盟商业银行并购反垄断法律制度18-231. 商业银行并购反垄断立法概况18-192. 商业银行井购反垄断审查机构19-203. 实体审查20-214. 审查程序21-23(三) 美国、欧盟商业银行并购反垄断法律制度比较23-271. 商业银行并购反垄断法律体系比较232. 商业银行并购反垄断审查机构比较23-243. 实体审查比较24-254. 审查程序比较25-27三、我国商业银行并购反垄断立法现状及借鉴完善27-35(一) 我国商业银行并购反垄断立法现状27-301. 商业银行并购反垄