我国外资银行监管法律制度研究

【作者】 张元珺；

【导师】 程雁雷；

【作者基本信息】 安徽大学 ， 经济法学， 2006， 硕士

【摘要】 外资银行监管法律制度是我国银行监管法的一个重要内容。随着我国加入WTO的进程，外资银行大量进入，对我国的经济发展确实起到了一定的积极作用，但同时也给我国货币政策实施、国际收支平衡以及金融风险的防范等方面带来了一些负面影响。要化解金融风险，有效地保障并促进我国金融业的持续稳定、安全、健康发展，就需要对外资银行进行审慎而有效的监管。所以，在这银行业入世后过渡期的最后一年里，如何结合我国国情，并且借鉴国际金融监管惯例和外国监管立法，以尽快完善我国外资银行监管制度，是一个具有重大理论与实践意义的课题。 本文首先对外资银行监管的基本理论进行了分析，在理论的指导下对我国外资银行监管法律制度进行探讨。文章的第一部分首先阐述了外资银行监管的内涵与特征，并且简单回顾了外资银行的发展历程，在概括外资银行的发展引起的问题的基础上探讨了外资银行监管的必要性，最后对外资银行监管的原则进行分析。 本文的第二部分主要运用了比较法的研究方法，对各国在外资银行具体监管制度上的规定进行比较分析。对于我国外资银行具体监管制度的介绍，主要是以《中华人民共和国外资金融机构管理条例》的规定为基础的。 第三部分是对我国外资银行监管制度现状的分析，其存在的问题主要有：监管主体单一，仅仅依靠监管当局的力量，忽视外部审计和行业自律的作用。监管当局本身也存在监管方式单一等问题；外资银行监管法律体系不完善，比如相关法律之间脱节，立法透明度不高，现有立法也不够完善等等；监管原则和监管目标不明确，导致“低国民待遇”与“超国民待遇”并存的现象：各项具体监管措施存在诸多缺陷，这部分内容结合了文章第二部分的内容，具体的分析了我国外资银行市场准入制度、业务制度和市场退出制度的缺陷；缺乏与外资银行母国监管者的合作。更多还原

【Abstract】 The supervision and regulation legal system of foreign banks is an important part of Chinese bank supervision law. With China’s entry into WTO, foreign banks flowed in and they had some motive effects on our economy absolutely, but also had negative effects on some aspects, such as carrying out China’s monetary policy, the balance of international revenue and expenditure and avoiding financial risks, and so on. To resolve the financial risks, it is necessary to supervise foreign banks prudently and effectively. The above actions can efficiently guarantee and advance sustainable, healthy and safe development of Chinese banking. So, how to better foreign banks supervision and regulation legal system during the last year of transition after banking operations as soon as possible becomes a subject with great theoretic and practical significance. And this must be based on learning the international practice about financial supervision and other country’s legal system and associate with the realities of our country.This article aims at exploring and researching the supervision and regulation legal system of foreign banks systematically. Firstly, the article elaborated the notion and fundamental feature of foreign banks supervision, reviewed the development of foreign banks, discussed the necessity and principal of foreign banks supervision on the basis of generalizing the questions caused by the development of foreign banks. And then this dissertation comparisoned many countries’ rules about foreign banks supervision, meanwhile, it introduced our country’s rules about foreign banks supervision briefly. The article generalized the actuality of our country’s foreign banks supervision mainly: foreign banks supervisor is dull, the supervision legal system of foreign banks is not complete, and the system is short of cooperation between our country and other countries’ supervisor. At last, the author mentioned a conception of how to enforce the supervision and regulation legal system of foreign banks for our country: above all, we should definite the supervision aim and principal更多还原