【作者】 彭静；

【导师】 陈业宏；

【作者基本信息】 华中师范大学 ， 经济法学， 2005， 硕士

【摘要】 跨国银行的发展已经成为不可阻挡的趋势,而经济的发展需要法律的支撑和保障。对母国而言,加强对境外投资商业银行的监管对于确保本国银行的正常秩序与安全乃至国家的经济安全都有着重要影响。在这方面的立法可以为境外投资商业银行的发展提供安全与效率保障以及公平的经营环境,同时也是属人管辖原则和保护性管辖原则的重要体现。目前发达国家大都十分支持本国的商业银行向境外发展,并制定了相关的法律政策以保证境外投资商业银行健康发展,巴塞尔委员会也在这方面做了诸多努力,为各国的银行监管提供了很好的法律蓝本。 我国境外投资商业银行的发展也已经到了白热化的程度,许多商业银行都纷纷走出国门。境外投资商业银行的发展不仅可以学习国外银行的先进管理经验,还可以为我国对外贸易和境外投资活动提供金融支持。然而我国的立法却相对滞后,在国内的银行立法中没有相关规定,而专门立法也仅仅依赖《商业银行境外机构监管指引》和《境外金融机构管理办法》,立法层次低且存在诸多不足,例如设立监管制度的缺失、风险监管机制的不健全、与东道国合作机制的不完善以及法律法规之间的不协调等等,这些都阻碍着我国境外投资商业银行的发展。2002年中国银行纽约分行等多个美国分行发生的信贷案件,就是很好的证明。因此完善我国境外投资商业银行监管立法已迫在眉睫。 本文从法理学和国际公法的角度提出我们应当借鉴国外的先进经验和国际条约、惯例,结合我国境外投资商业银行的发展现状来完善我国境外投资商业银行监管立法,并提出了立法建议,这些立法建议主要包括转变“重设立、轻监管”的观念,提高监管质量,强化风险意识;完善境外投资商业银行监管的专门立法,在专门立法中注重对境外投资商业银行的设立监管,认真审查拟设机构的资本状况及人员资格,保证境外投资商业银行的资信及偿付能力,完善风险监管措施和监管手段及方法,与东道国建立良好的信息交换渠道。与此同时还要加强商业银行内部控制制度的建设;完善各种配套法律法规;加强境外投资商业银行监管的国际合作。更多还原

【Abstract】 With the development of globalization and liberalization of financial services, the development of the transnational bank has already become the irresistible trend, and economic development needs support and guarantee of the law. As to home country , is it very important to enhance the supervision of external commercial bank, the supervision legislates to commercial bank can offer security, efficiency and fair management environment for its development and ensure, external supervision of commercial bank is embodiment of home country to belong to people administer principle and protective administration. At present most country also support national commercial bank to develop outside the border very much, and have made relevant legal policies to ensure the external commercial bank develop in a healthy way. The Basle Committee also have made a great deal of efforts in this respect ,offered very good law for supervising in the banks of various countries.The development of the external commercial bank of our country has already reached the fierce degree, a lot of commercial banks go abroad one after another . The development of the external commercial bank can not only merely absorb the advanced experience of the foreign bank in order to raise the development of the domestic commercial bank of our country , can also offer financial support for investment activity outside the border of our country , inject new strength into reform of state-run commercial bank of our country. But the relevant legislation of our country lag behind relatively, there are no relevant regulations in the domestic bank legislates, and special legislation rely on " The guide to supervise commercial bank external organization " and " external management method of financial institution ", the legislative level is low and has deficiency and defect in the respects, set up disappearance, risk of supervisory system supervise mechanism imperfect. Credit case that such a lot of American branches as the New York branch of Bank of China, took place in 2002, which is a very good更多还原