本文選題：金融控股公司 + 跨業(yè)經(jīng)營�。� 參考：《中國政法大學(xué)》2011年碩士論文

【摘要】：近年來,由于國際金融環(huán)境變動(dòng)快速,金融信息化與全球化之發(fā)展下,金融商品不斷推陳出新,更使得銀行、證券,保險(xiǎn)間業(yè)務(wù)區(qū)隔模糊化;金融機(jī)構(gòu)跨業(yè)經(jīng)營已蔚為潮流,傳統(tǒng)限制金融分業(yè)之經(jīng)營理念,亦逐漸隨著金融機(jī)構(gòu)之大型化、多元化而松綁,世界各國在近幾年也都紛紛進(jìn)行了金融法制改革。如美國于1999年通過之《金融服務(wù)現(xiàn)代化法案》(Gramm-Leach-Bliley Financial Modernization Act),使銀行控股公司轉(zhuǎn)換成金融控股公司,以便其子公司得以跨足銀行、證券及保險(xiǎn)業(yè)來從事全面性的跨業(yè)經(jīng)營;日本也于1997年通過金融改革,師法美國實(shí)行金融控股公司制度;歐盟各國近年來亦進(jìn)行金融法制之調(diào)整與改制的工作。以此立法趨勢(shì)觀之,以“金融控股公司模式”進(jìn)行整體金融法制改革,提升金融機(jī)構(gòu)跨業(yè)經(jīng)營效率與國際競(jìng)爭(zhēng)力,已衍然成為金融機(jī)構(gòu)邁向國際化與大型化潮流之必要作法,又在我國大陸與臺(tái)灣地區(qū)都先后加入了世界貿(mào)易組織(WTO),雙方在面對(duì)開放金融市場(chǎng)、國際金融集團(tuán)競(jìng)爭(zhēng)之壓力下,勢(shì)必是要調(diào)整其金融體制以之因應(yīng)。而且,金融業(yè)務(wù)具有高度之公共性,金融控股公司系整合多項(xiàng)金融業(yè)務(wù)于一身之模式,在金融業(yè)跨業(yè)經(jīng)營的趨勢(shì)下,金融管制逐漸走向放松管制與重新建構(gòu)一套管制模式之同時(shí),金融監(jiān)理機(jī)制也有必要隨之加以調(diào)整應(yīng)對(duì),以達(dá)到健全及維持金融秩序之目的,并保障廣大之投資大眾。 本文包括引言、正文、結(jié)論三部份。引言先簡要介紹目前兩岸金融往來愈趨密切與頻繁,我國大陸對(duì)于臺(tái)灣銀行業(yè)全球布局而言是一個(gè)不可缺失之市場(chǎng),認(rèn)識(shí)我國大陸之金融體制規(guī)范有其急迫性與必要性。又兩岸先后都加入了世界貿(mào)易組織(WTO),在面對(duì)金融市場(chǎng)開放與國際金融機(jī)構(gòu)的強(qiáng)力競(jìng)爭(zhēng)下,金融機(jī)構(gòu)跨業(yè)經(jīng)營已蔚為潮流,如何調(diào)整金融法制規(guī)范以之因應(yīng),同為兩岸目前面臨的重要課題,且我國臺(tái)灣地區(qū)自從2001年以來,已進(jìn)行了一系列的金融體制再造與改革活動(dòng),這剛好可以成為我國大陸金融法制環(huán)境再建的參考與借鏡。 正文由五部份組成。第一部份介紹目前世界上金融業(yè)跨業(yè)經(jīng)營之型態(tài)與比較。并淺析我國臺(tái)灣地區(qū)金融機(jī)構(gòu)跨業(yè)經(jīng)營的發(fā)展與立法模式之選擇,最后我國臺(tái)灣地區(qū)選擇以金融控股公司做為跨業(yè)經(jīng)營模式,由其來比較選擇此模式之優(yōu)缺點(diǎn)。 第二部份論述我國臺(tái)灣地區(qū)金融法律制度之建構(gòu),并以《金融控股公司法》為主,分析其中基本架構(gòu)與規(guī)定。自從2001年以來,《金融控股公司法》實(shí)行了10年,其中也經(jīng)歷了數(shù)次的修改,并對(duì)于金融控股公司法之修正部份,于此加以探討與分析。且自從建立了金融控股公司法制后,為了達(dá)到有效監(jiān)管金融集團(tuán),我國臺(tái)灣地區(qū)也已在2004年7月1日正式成立了我國臺(tái)灣地區(qū)“行政院”金融監(jiān)督管理委員會(huì)(以下簡稱“金管會(huì)”),成立這個(gè)單一金融監(jiān)管機(jī)關(guān)來實(shí)施金融監(jiān)管,于論文中簡析這單一金融監(jiān)管機(jī)關(guān)選擇之原由與金管會(huì)之特點(diǎn)。 第三部份論述我國大陸之金融體制的形成背景,并以商業(yè)銀行為主,探討其立法沿革與分業(yè)經(jīng)營制度之成因作一說明,并探討跨業(yè)經(jīng)營制度在我國大陸之發(fā)展與現(xiàn)況,最后對(duì)我國大陸與我國臺(tái)灣地區(qū)之金融機(jī)構(gòu)跨業(yè)經(jīng)營發(fā)展作一比較探討。 第四部份探討我國大陸金融監(jiān)管之現(xiàn)狀與發(fā)展與加入世界貿(mào)易組織(WTO)后對(duì)我國大陸金融法制體系與監(jiān)管體制之沖擊與影響,最后以我國大陸與我國臺(tái)彎地區(qū)之監(jiān)理制度作一比較與探討分析。 第五部份從比較法角度與觀點(diǎn),對(duì)兩岸金融機(jī)構(gòu)跨業(yè)經(jīng)營方面作各方面之比較。 在上述論證分析的基礎(chǔ)上,本文得出如下結(jié)論:從金融業(yè)的發(fā)展與經(jīng)營中觀察出,嚴(yán)格的分業(yè)經(jīng)營并非自然形成,這樣不僅會(huì)造成金融運(yùn)行效益低下,且在這種情況下,金融安全性也不能得到確保;雖然跨業(yè)經(jīng)營之監(jiān)管體制,需要面臨金融商品的多變與創(chuàng)新,但是卻可以經(jīng)由建立起一套統(tǒng)一的監(jiān)管體系,保持監(jiān)理的靈活性與彈性以之應(yīng)對(duì),這也將有益于金融業(yè)的發(fā)展。且從20世紀(jì)80年代以來,在國際金融自由化與金融商品創(chuàng)新不斷推出中,商業(yè)銀行跨業(yè)經(jīng)營模式已蔚為潮流,如何在重新調(diào)整金融法制架構(gòu)、配合國際化競(jìng)爭(zhēng)壓力,是兩岸目前均面臨的問題。且我國臺(tái)灣地區(qū)于2001年開始,為順應(yīng)金融業(yè)務(wù)多元化與全球化趨勢(shì),以求金融市場(chǎng)之改革創(chuàng)新與金融機(jī)構(gòu)能發(fā)揮規(guī)模經(jīng)濟(jì)與范疇經(jīng)濟(jì)之效益,建立起一套基本金融法制規(guī)范-《金融控股公司法》。這正好可以讓在面臨同樣問題與國際競(jìng)爭(zhēng)壓力下之我國大陸在未來規(guī)范建構(gòu)一套金融法制體系環(huán)境時(shí),為之借鏡與參考。
[Abstract]:In recent years, due to the rapid changes in the international financial environment and the development of the financial information and globalization, the financial commodities are constantly emerging, making the banking, securities, and insurance business areas blurred, and the cross industry management of financial institutions has become a trend. In recent years, all countries in the world have carried out financial legal reform, such as the Gramm-Leach-Bliley Financial Modernization Act, adopted by the United States in 1999, to convert the Banking Holding Company into a financial holding company, so that its subsidiaries are able to engage in all the banks, securities and insurance industries. In 1997, Japan also carried out the financial holding company system in the United States through financial reform, and the European Union has also carried out the adjustment and reform of the financial legal system in recent years in the United States. In this legislative trend, the overall financial reform of financial holding companies was carried out to improve the efficiency of the financial institutions. With international competitiveness, it has become a necessary practice for the financial institutions to move towards internationalization and large-scale trend. Both China and Taiwan have joined the World Trade Organization (WTO) successively. Under the pressure of open financial markets and the competition of international financial groups, the financial institutions are bound to adjust their financial system. Financial holding companies are highly public. Financial holding companies are the mode of integrating a number of financial services. Under the trend of cross industry management, financial control gradually moves towards deregulation and re construction of a set of control patterns. The financial supervision mechanism is also necessary to adjust and cope with it in order to improve and maintain finance. The purpose of order is to ensure the vast majority of the public.
This article includes introduction, text, and conclusion three parts. The introduction first briefly introduces the closer and more frequent financial exchanges between the two sides of the Taiwan Straits. The mainland of China is an Immissing market for the global layout of the banking industry in Taiwan. It is urgent and necessary to recognize the financial system norms of the mainland of China. Organization (WTO), facing the strong competition between financial market opening and international financial institutions, the cross industry management of financial institutions has become a trend. How to adjust the legal norms of the financial system is an important issue facing both sides of the Straits. Since 2001, the Taiwan region of China has carried out a series of reengineering and reform of the financial system. This can just become a reference and mirror for the reconstruction of the financial legal environment in mainland China.
The text is composed of five parts. The first part introduces the pattern and comparison of the cross industry operation of the financial industry in the world at present, and analyses the choice of the development and the legislative mode of the cross industry management of the financial institutions in Taiwan. Finally, the choice of the financial holding company as a cross industry operation model in Taiwan region of our country is to choose the superior shortage of this model. Point.
The second part discusses the construction of the financial legal system in Taiwan area in China, and analyzes the basic structure and regulations of the financial holding company law. Since 2001, the law of the financial holding company has been implemented for 10 years, which has also undergone several revisions, and has been discussed and analyzed in the amendment of the law of the financial control stock company. And since the establishment of the legal system of the financial holding company, in order to achieve the effective supervision of the financial group, the Taiwan area of China has formally established the "Executive Yuan" financial supervision and Management Committee of the Taiwan region in July 1, 2004 (hereinafter referred to as the "HKMA") to set up this single financial regulatory agency to implement financial supervision and regulation. This paper briefly analyzes the reasons for the choice of the single financial regulatory agency and the characteristics of the HKMA.
The third part discusses the background of the formation of the financial system in the mainland of China, and takes commercial banks as the main part to discuss the causes of its legislative evolution and separate operation system, and discuss the development and current situation of the cross industry management system in the mainland of China, and finally make a comparison of the cross industry operation and development of the financial institutions in the mainland of China and the Taiwan region of our country. Discuss.
The fourth part discusses the impact and influence of the current situation and development of China's mainland financial supervision and development and the accession to the World Trade Organization (WTO) on the financial system and supervision system of China's mainland. Finally, a comparison and analysis of the supervision system in China's mainland and China's Taiwan bend areas is made.
The fifth part, from the perspective of comparative law, compares all aspects of cross strait financial institutions' cross operation.
On the basis of the above analysis, this paper draws the following conclusions: from the development and management of the financial industry, it is observed that the strict division of business is not a natural formation, which will not only cause the low financial efficiency, but also in this case, the financial security can not be ensured; although the regulatory system of cross industry management needs to face finance. The change and innovation of commodities can be achieved by establishing a unified regulatory system to maintain the flexibility and flexibility of supervision, which will also benefit the development of the financial industry. Since 1980s, the cross industry model of commercial banks has become a great trend in the international financial liberalization and innovation of financial commodities. How to adjust the financial system structure and cooperate with the pressure of international competition is the problem that both sides of the Straits are facing at present. And the Taiwan region of China began in 2001, in order to conform to the trend of diversification and globalization of the financial business, in order to make the financial market reform and innovation and the financial institutions can play the benefit of scale economy and category economy. The regulation of the basic financial legal system - the law of the financial holding company is more than. This can make it possible for the mainland of China to construct a set of financial system environment in the future under the pressure of the same problems and international competition.
【學(xué)位授予單位】：中國政法大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2011
【分類號(hào)】：D922.28

【參考文獻(xiàn)】

相關(guān)碩士學(xué)位論文 前2條

1 林豐;我國投資銀行業(yè)的現(xiàn)狀及發(fā)展研究[D];廈門大學(xué);2001年

2 王立君;我國投資銀行業(yè)務(wù)現(xiàn)狀及發(fā)展策略分析[D];廈門大學(xué);2002年

，

本文編號(hào)：2089617