论中国对外资银行监管法律机制的完善

【作者】 李希强；

【导师】 金克胜；

【作者基本信息】 外交学院 ， 国际法学， 2003， 硕士

【摘要】 随着中国加入WTO，大批的外资金融机构涌入中国，外资银行成为中国金融体系的重要力量。作为中国银行监管部门的中国银行业监督管理委员会负责对外资银行进行监管。 加入WTO后，中国对外资银行监管的法律要与WTO规则接轨。由于中国现行监管制度存在的缺陷，通过研究WTO规则、比较中国监管制度与WTO规则，在遵循WTO规则的前提下，完善中国监管立法以最大限度地保护较为脆弱的中国银行业。 尽管英、美、德三国监管制度迥异，但均以监管制度发达、健全著称。相比之下，中国对外资银行监管法律存在着较多问题：立法层次不高、法律效力低，法律系统性差，立法内容抽象，欠缺可操作性。因此在借鉴英、美、德成功监管经验的基础上，中国可以分别从整体上对外资银行进行分类、评级和在具体法律机制上两个方面来完善中国外资银行监管立法。更多还原

【Abstract】 With China’s accession to the WTO, foreign banks, mainly supervised by China Banking Regulatory Commission, are becoming an important component of China’s financial setup. After China’s entry into the WTO, its supervision law on foreign banks should comply with the rules of the WTO. Because of the defects of China’s current supervising system, China should upgrade its legislation by studying the WTO’s rules to protect its fragile banking industry. Even though the supervising systems in Britain, the United States, and Germany are widely different, these countries are celebrated for the soundness of their systems. Comparatively, China’s supervising law has much to be desired. Therefore, on the basis of drawing on these countries’ experience, China’s supervising law can be improved respectively in two aspects: classification and rating on the whole; specific legal mechanism.更多还原