制定《商事通则》论纲--以总体思路、体系结构为研究内容

制定《商事通则》的总体思路是 :《商事通则》只应调整那些传统民法难以或不便调整的以营利为目的的社会关系 ;应以企业作为主要规范对象 ;只应将总纲性的法律规范 ,以及不宜以商事单行法的形式规范或以商事单行形式规范成本过高的内容包含进去 ;其法律属性应为具有较多公法规范的私法。《商事通则》的体系结构应根据我国现实的理论、立法和实践确定 ,应在《商事通则》的篇首置“基本原则”章。     

我国商业银行信用风险及对策

银行信用风险是当前中国商业银行面临的主要风险,也是造成商业银行大量坏账的重要原因.近年来,我国正加大对银行坏账的整治力度,并采用各种措施降低商业银行不良资产的比例.以银行信用风险管理为切入点,对中国商业银行信用风险管理存在的问题进行探讨,有助于完善我国的商业银行管理体制.     

商业贿赂范围及数额司法认定疑难问题

具有市场价格且受贿人实际取得价值的礼券应当计入商业贿赂犯罪数额。将免费旅游界定为商业贿赂,并非意味着与免费旅游相关的费用一概认定为商业贿赂数额。收受银行卡案件应当区分不同情况计算犯罪数额。贿赂案件中特殊汽车牌照、特殊手机号码的费用应当记入犯罪数额。行贿方付出了金钱,虽然没有直接交付受贿方,但将金钱周转成通过特殊汽车牌照、特殊手机号码表现的现实利益或者享受资格。应当将以金钱为背景、体现贿赂犯罪权钱关系的性贿赂认定为商业贿赂。     

民事合同与商事合同之辨

民事合同与商事合同在当事人认定、交易结构的繁简、"名""实"相副与否、"穿透"合同关系的允许与禁止、合同瑕疵的容忍抑或矫正、商业逻辑的地位及作用、坚守"正位"抑或"错位"处理"火候"把握等方面存在差异.认识、重视和研讨之,目的 和意义之一是,在法律适用时必须顾及商事合同的特殊性,不得僵硬地套用关于民事合同的规定.目的 ...     

China's ‘win-win’ cooperation: Unpacking the impact of infrastructure-for-resources deals in Africa

This paper discusses China's use of infrastructure-for-resources loans in Africa as a win–win economic cooperation tool. This formula, offering generous loans for infrastructure in exchange for resource access, came into being largely as a default cooperation tool, inspired by China's own domestic experience, its competitive advantages and Africa's receptivity to this kind of barter deal. Embodying the principle of mutual benefit, China has consistently combined the extension of financial assistance for infrastructure construction in Africa with the expansion of Chinese business interests and the pursuit of resource security goals. The analysis focuses on whether this instrument is actually promoting African development or fuelling instead China's economic growth at the expense of African economies. The author argues that the impact has been mixed. Although there are some meaningful positive signs, many challenges persist, and as such the long-term developmental impact of this particular tool remains uncertain. The responsibility to ensure a positive outcome rests, however, on the African side as much as on China.     

商业银行理财产品的法律性质研究

银监会将商业银行理财产品的法律性质定位为委托代理关系,但是实践中商业银行理财产品的运作方式与传统的委托代理关系相差甚远,那么商业银行理财产品的法律性质究竟为何？本文在对商业银行理财产品不同类别进行区分的基础上,对其法律性质分别予以了论述。     

探究民营银行发展之路

民营银行之争由来已久。中国的银行业不缺数量,缺的是结构,缺草根金融。该文回顾了民营银行艰难的探索历程,指出应科学界定民营银行经营范围和服务对象,消除制度障碍和现实阻碍,秉承先试点,后推广,循序渐进的发展思路,不断完善顶层设计,提升自身实力,让民营银行逐渐成长为金融体系中一支审要的力量。     

Democracy and the multinationals

The relationship between western multinational corporations' perceived commercial interests and democratic quality in developing markets is more varied than habitually argued. While autocratic policy making and low-intensity democracy have been judged to provide benefits to investors, they are also increasingly recognized to generate features prejudicial to commercial operations. Many investment trends reflect the adverse impact of democratic limitations in developing markets. Multinational companies can be faulted less for a uniform effort to frustrate democratic improvements than for a failure to develop a coherent or proactive engagement in relation to the international democracy promotion agenda.     

国家法难行之源：国家主义抑或人本主义——从“依法收贷案”切入

以前有关“依法收贷案”的研究文章都认为这里的“法”就是“现行国家法”,但对此案细致分析发现并非如此,而是“王法”即中国传统法。中国国家法自古至今有一种严重的国家主义倾向（而今表现为一种现代化倾向）,缺乏一种现代法律所需要的人本主义精神因素,因此,国家法只得到了国家外部力量的推动,缺乏内部力量的驱动,其社会化动力不足。其社会化程度远低于中国传统的“法”与“德”,最终被“王法”置换,为中国传统的“德”所打败。     

物流金融中商业银行的风险及防范

物流金融业务作为一种较新的金融及物流创新服务产品,不仅解决了部分中小企业融资难问题,而且给商业银行带来了新的赢利增长点,为银行业的金融创新提供了条件。但是这种新兴的业务也会使商业银行面临质押物的风险、信托责任缺失风险、风险指标失灵风险、信用环境软约束风险和物流企业的管理体制风险。分析这些风险,并提出相应的规避和防范措施。