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商业银行机构的设立,合并或清理,机构组织的形式,地域的选择,规模的大小等,都要受该国有关法规和金融主管部门的监管和约束。一、商业银行的设立西方国家设立或合并一家商业银行,一般考虑以下诸原则:一、有利于合理竞争,防止银行垄断;二、保障银行体系的安全,防止银行倒闭;三、注意最合理规模,降低管理费用,提高服务质量。各国的政治、经济和社会背景不同,对商业银行设立的立法规定也不尽相同。 (一)商业银行的法人资格大多数国家规定商业银行必须是公司组织形式。如:日本1983年修正的普通银行法第5条规定:银行必须是拥有超过依据政令规定的资本金额的股份有限公司。联邦德国信用业法规定:批准的信用机构,不
The establishment, merger or clean-up of commercial banking institutions, the form of institutional organizations, the choice of geographical areas and the size of the commercial banks shall be governed by and subject to the relevant laws and regulations and the financial authorities in the country. First, the establishment of commercial banks Western countries to establish or merge a commercial bank, the general consideration of the following principles: First, conducive to reasonable competition to prevent the bank monopoly; Second, to ensure the safety of the banking system to prevent bank failures; Third, pay attention to the most reasonable scale , Reduce management costs, improve service quality. Different countries have different political, economic and social backgrounds and have different legislative provisions on commercial banks. (A) the legal personality of commercial banks Most countries require commercial banks must be a form of company organization. For example, Article 5 of Japan’s Common Bank Law amended in 1983 stipulated that a bank must be a joint stock limited company with more capital than that required under government ordinance. Federal German Credit Industry Law states: Approved credit agencies, no