本文選題：跨國銀行 + 監(jiān)管　； 參考：《西南財(cái)經(jīng)大學(xué)》2003年碩士論文

【摘要】： 本文旨在從法學(xué)角度研究跨國銀行監(jiān)管的“應(yīng)然”要求和“實(shí)然”狀況，籍此探討完善我國跨國銀行監(jiān)管的法制體系。 隨著中國于2001年12月11日正式成為世貿(mào)組織成員方，中國金融市場的開放與發(fā)展又進(jìn)入了一個(gè)新階段，跨國銀行進(jìn)入我國將出現(xiàn)新的飛躍。然而近幾年來，各國金融危機(jī)的慘痛教訓(xùn)告訴我們，在金融發(fā)展開放的同時(shí)，必須高度重視維護(hù)國家金融安全、防范金融風(fēng)險(xiǎn)�？鐕y行作為各國金融交往的中介，它在給各國帶來利益的同時(shí)，也會增加國際金融市場的不穩(wěn)定，并且自身就是金融風(fēng)險(xiǎn)的天然傳導(dǎo)者。2002年2月召開的中央金融工作會議強(qiáng)調(diào)：加強(qiáng)金融監(jiān)管，防范金融風(fēng)險(xiǎn)，保持金融穩(wěn)定，是順利推進(jìn)金融改革和發(fā)展的基礎(chǔ)，是貫徹執(zhí)行國家宏觀調(diào)控政策的必要條件，是維護(hù)國家經(jīng)濟(jì)安全的重要保證。2003年3月10日，十屆全國人大一次會議審議通過了關(guān)于組建中國銀行業(yè)監(jiān)督管理委員會的方案，這標(biāo)志著我國對銀行業(yè)的監(jiān)管體制作出了重大調(diào)整。1如何借鑒國際金融監(jiān)管慣例、經(jīng)驗(yàn)，并結(jié)合中國具體國情，完善和加強(qiáng)對跨國銀行的監(jiān)管，使中國對跨國銀行的監(jiān)管水平符合中國金融開放和融入金融全球化進(jìn)程的要求，就成為時(shí)代賦予的重大課題。 迄今為止，國內(nèi)關(guān)于跨國銀行監(jiān)管的文獻(xiàn)，絕大部分集中在經(jīng)濟(jì)學(xué)、金融學(xué)領(lǐng)域，專門從法學(xué)角度研究的很少。2而從法學(xué)角度研究的文獻(xiàn)，絕大部分又出自我國入世以前，特別重要的，幾乎全部出自我國2001年12月20日頒布的《中華人民共和國外資金融機(jī)構(gòu)管理?xiàng)l例》和2002年1月25日公布的《中華人民共和國外資金融機(jī)構(gòu) WP=3 管理?xiàng)l例實(shí)施細(xì)則》以前。3當(dāng)然，在新的《條例》及其《細(xì)則》中已經(jīng)體現(xiàn)了近年來學(xué)者們的研究成果，但稍有遺憾的是，畢竟結(jié)合我國對跨國銀行監(jiān)管的最新法規(guī)的評判還未展開，在這方面還存在學(xué)術(shù)空白點(diǎn)。 其表現(xiàn)為一方面，我們通過書籍、報(bào)刊、網(wǎng)絡(luò)可以看到很多經(jīng)濟(jì)學(xué)者、金融學(xué)者對跨國銀行監(jiān)管的經(jīng)濟(jì)學(xué)、金融學(xué)分析，看到他們從自己學(xué)科的角度對跨國銀行監(jiān)管制度的政策性思考。另一方面，就筆者所知，目前僅有一部從法律角度探討跨國銀行的專著即岳彩申先生所著《跨國銀行法律制度研究》，總體上說，國內(nèi)法學(xué)界對跨國銀行監(jiān)管的研究還有待深化。 本文研究有三方面意義。其一，在我國成為WTO的成員方，并正在對銀行業(yè)的監(jiān)管體制作出重大調(diào)整的背景下，如何借鑒國際金融監(jiān)管的慣例和經(jīng)驗(yàn)，結(jié)合中國具體國情，完善和加強(qiáng)對包括跨國銀行在內(nèi)的銀行業(yè)監(jiān)管，使中國銀行業(yè)的監(jiān)管水平符合中國金融開放和融入金融全球化進(jìn)程的要求，就成為時(shí)代賦予的重大課題。研究跨國銀行監(jiān)管法的“應(yīng)然”要求和“實(shí)然”狀況，具有重要的理論意義與實(shí)踐意義。其二，研究跨國銀行監(jiān)管的法理，對金融監(jiān)管法的理論研究有重要意義，可為我國金融立法和司法實(shí)踐提供相關(guān)理論支持。其三，研究跨國銀行監(jiān)管的法理，也就是在研究經(jīng)濟(jì)法，可為經(jīng)濟(jì)法一般原理的研究提供實(shí)證素材，有助于繁榮經(jīng)濟(jì)法的研究。 本文主要采用資料文獻(xiàn)研究的實(shí)證研究方法，輔之以經(jīng)驗(yàn)研究方法。從文章內(nèi)容來看，筆者先是采用了演繹研究方法對中國跨國銀行監(jiān)管的必要性進(jìn)行了學(xué)理分析，從一般法學(xué)理論的角度，闡明了跨國銀行監(jiān)管法的“應(yīng)然”結(jié)構(gòu)；接著采用比較研究的方法對國外跨國銀行監(jiān)管的法律規(guī)定進(jìn)行分析；（得出跨國銀行監(jiān)管法一般的“實(shí)然”狀況）最后，結(jié)合我國跨國銀行監(jiān)管法的“實(shí)然”狀況，用價(jià)值分析法和邏輯分析法對我國跨國銀行監(jiān)管提出了法律對策，回答我國跨國 WP=4 銀行監(jiān)管法的“應(yīng)然”要求。 全文分四章。第一章分析跨國銀行監(jiān)管的必要性�？鐕y行的出現(xiàn)和發(fā)展既是經(jīng)濟(jì)、金融全球化的內(nèi)在要求，又是經(jīng)濟(jì)、金融全球化的重要?jiǎng)恿��？鐕y行具有主體資格的多樣性與差別性、適用法律的復(fù)雜性、內(nèi)部管理制度的復(fù)雜性等法律特征。它的迅猛發(fā)展增加了金融風(fēng)險(xiǎn)與國際金融市場的不穩(wěn)定因素，它推出層出不窮的金融創(chuàng)新，不斷突破和規(guī)避金融監(jiān)管，促使各國不斷改進(jìn)監(jiān)管并采取國際協(xié)調(diào)措施�？鐕y行對相關(guān)國家（母國和東道國）的宏觀經(jīng)濟(jì)變量，，例如通貨膨脹、利率變動(dòng)、國際收支都有一定的負(fù)面影響，從微觀經(jīng)濟(jì)變量（金融業(yè)自身角度）來看，跨國銀行的活動(dòng)直接涉及金融業(yè)的安全效率運(yùn)作。 第二章跨國銀行監(jiān)管的法律闡釋。從大陸法系的角度，闡明跨國銀行監(jiān)管法的“應(yīng)然”結(jié)構(gòu)�？鐕y行監(jiān)管法的總則性內(nèi)容應(yīng)當(dāng)包括跨國銀行監(jiān)管法的目標(biāo)、跨國銀行監(jiān)管法的價(jià)值和跨國銀行監(jiān)管法的原則�？鐕y行監(jiān)管法的目標(biāo)體系應(yīng)該由穩(wěn)定、效率兩大類目標(biāo)構(gòu)成；跨國銀行監(jiān)管法的價(jià)值體系應(yīng)當(dāng)包括秩序、公平、效益；跨國銀行監(jiān)管法的原則應(yīng)當(dāng)包括由安全性、效益性、統(tǒng)一性構(gòu)成的公理性原則，還應(yīng)當(dāng)包括由東道國監(jiān)管、母國監(jiān)管、國民待遇構(gòu)成的政策性原則。在大陸法系國家，跨國銀行監(jiān)管法應(yīng)是金融法的分支，屬于經(jīng)濟(jì)法這一法律部門；跨國銀行監(jiān)管法的效力等級體系由金融法律、金融行政法規(guī)、金融行政規(guī)章三個(gè)層次構(gòu)成。從法學(xué)學(xué)科體系看，跨國銀行監(jiān)管法還涉及有關(guān)國際法、國際經(jīng)濟(jì)法的領(lǐng)域。 第三章跨國銀行監(jiān)管法律規(guī)定的比較研究�？鐕y行監(jiān)管的全過程可以分為預(yù)防性質(zhì)監(jiān)管、營運(yùn)過程監(jiān)管、補(bǔ)救
[Abstract]:The aim of this paper is to study the "deserved" and "true" status of transnational bank supervision from the perspective of law, and to explore the legal system of China's transnational banking supervision.
With China officially becoming a member of the WTO in December 11, 2001, the opening and development of China's financial market has entered a new stage and a new leap will emerge from the entry of transnational banks to China. However, in recent years, the painful lessons of the financial crisis of various countries have told us that while gold is developing and opening up, we must attach great importance to the maintenance of the country. As a medium of financial exchanges in all countries, transnational banks, as the intermediaries of financial exchanges in various countries, will also increase the instability of international financial markets while bringing benefits to various countries, and the central financial work conference held in February in.2002, a natural transmitter of financial risks, emphasizes the strengthening of financial supervision and prevention of financial winds. To maintain financial stability is the basis for the smooth promotion of financial reform and development. It is a necessary condition for implementing the national macroeconomic regulation and control policy. It is an important guarantee for the maintenance of national economic security. In March 10th, the Ten Session of the National People's Congress of the ten National People's Congress was considered and passed on the establishment of the China silver industry supervision and Management Committee. The regulatory body of the banking industry has made a major adjustment to how.1 can draw on the practice of international financial supervision and experience, and to improve and strengthen the supervision of transnational banks in combination with China's specific national conditions, so that China's regulatory level of transnational banks is in line with the requirements of China's financial opening and integration into the process of financial globalization. Big topic.
So far, most of the documents on the supervision of transnational banks in China are concentrated in economics and finance, which are specially studied by law from the angle of law from the angle of law, most of which are especially important before China's entry into the world, almost all from the Chinese people's Republic, which was promulgated in December 20, 2001 in China. Regulations on the administration of foreign funded financial institutions and the foreign financial institutions of the people's Republic of China promulgated in January 25, 2002
WP=3
The rules for the implementation of the Regulations >.3, of course, of course, in the new "Regulations >" and "rules", has shown the achievements of the scholars in recent years. But it is a little regrettable that, after all, the evaluation of the latest laws and regulations on transnational banking supervision has not been carried out, and there is still a blank spot in this field.
On the one hand, through books, newspapers and networks, we can see many economists, financial scholars on the economics of transnational banking supervision, financial analysis, and their policy thinking on the regulatory system of transnational banks from the perspective of their own subjects. On the other hand, as far as I know, only one is discussed from the legal point of view. The monographs of transnational banks are the study of the legal system of transnational banks by Mr. Yue Caishen. In general, the research on the supervision of transnational banks in the domestic law circles remains to be deepened.
In this paper, there are three meanings in this study. First, in the context of becoming a member of WTO, and under the background of a major adjustment of the banking regulatory system, how to use the practice and experience of international financial supervision and to improve and strengthen banking supervision in China, including transnational banking, in combination with the specific national conditions of China, so as to regulate the banking industry in China. The level accords with the requirements of China's financial liberalization and integration into the process of financial globalization. It has become a major issue in the times. It is of great theoretical and practical significance to study the "deserved" and "true" status of the regulatory law of transnational banks. Secondly, the study of the jurisprudence of transnational bank supervision and the theoretical research on Financial Supervision Law It is of great significance to provide theoretical support for China's financial legislation and judicial practice. Thirdly, the study of the jurisprudence of transnational bank supervision is to provide empirical materials for the study of the general principles of economic law, which is helpful to the prosperity of economic law.
This article mainly adopts the empirical research method and the empirical research method. From the content of the article, the author first adopted a deductive study method to analyze the necessity of the supervision of China's transnational banks. From the perspective of the general law theory, the author clarified the "deserved" structure of the transnational bank supervision law. The method of comparative study is used to analyze the legal provisions of foreign transnational bank supervision and the general "actual" situation of transnational bank supervision law. Finally, combined with the "real" situation of China's transnational bank supervision law, the legal countermeasures are put forward by value analysis and logical analysis to our country's transnational bank supervision and answer our country. transnational
WP=4
The "deserved" requirement of the banking regulatory law.
The first chapter is divided into four chapters. The first chapter analyzes the necessity of transnational bank regulation. The emergence and development of transnational banks are not only the internal requirements of economic, financial globalization but also the important driving force of the economic and financial globalization. The diversity and difference of the subject qualification of transnational banks, the complexity of the law, the complexity of the internal management system and so on Its rapid development has increased financial risks and the instability of the international financial market. It has introduced endless financial innovations, continuous breakthroughs and evasion of financial regulation, and the continuous improvement of regulation and international coordination measures. Inflation, interest rate changes, and international balance of payments have a certain negative impact. From the perspective of microeconomic variables (financial industry itself), the activities of transnational banks directly involve the operation of the security efficiency of the financial industry.
The second chapter explains the legal interpretation of transnational bank supervision. From the perspective of continental law system, the "deserved" structure of transnational bank supervision law is clarified. The general principles of transnational bank supervision law should include the target of transnational bank supervision law, the value of transnational bank supervision law and the principle of transnational bank supervision law. It should be composed of two categories of stability and efficiency; the value system of transnational bank supervision law should include order, fairness and benefit; the principles of transnational bank supervision law should include the axiom principles of security, benefit and unity, and the policy principles of the supervision of the host country, the supervision of the mother country and the national treatment. In the civil law countries, the transnational bank supervision law should be the branch of the financial law, which belongs to the legal department of the economic law; the effectiveness grade system of the transnational bank supervision law consists of three levels: financial law, financial administrative regulation and financial administrative regulation. The field of Franciscan.
The third chapter is a comparative study on the regulation of transnational banking supervision. The whole process of supervision of transnational banks can be divided into preventive supervision, operation process supervision and remedy.
【學(xué)位授予單位】：西南財(cái)經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2003
【分類號】：D996.2

【引證文獻(xiàn)】

相關(guān)碩士學(xué)位論文 前2條

1 張延紅;跨國銀行市場準(zhǔn)入監(jiān)管法律制度研究[D];鄭州大學(xué);2007年

2 李曉蕾;巴塞爾協(xié)議體系下跨國商業(yè)銀行的國際監(jiān)管[D];華東政法大學(xué);2009年

本文編號：1931910