加入WTO后我国外资银行监管法律制度的完善-金融法专业论文.docxVIP

PAGE PAGE 1 提 要 我国已于 2001 年 12 月加入了 WTO 根据入世的承诺 入世两年后 须允许外资 银行向国内企业开展人民币业务 五年后则允许其向国内居民个人提供人民币业务 由 此可见银行业面临的是在业务范围和地域范围内的进一步开放 外资银行进入我国市场 的步伐逐步增快 因此 对外资银行的有效监管已经开始成为一个重要议题 对外资银 行进行行之有效的监管 目的在于确保我国银行体系的稳定 使外资银行自身追求的目 标与我国银行业开放所期望实现的利益目标相一致 使在我国境内的外资银行服务于我 国的经济发展 本文第一部分从界定外资银行的概念和类型入手 讨论对其监管的必要性 第二部 分考察具有代表性的美国和日本外资银行监管的法律制度 总结其特点 以及对我国外 资银行监管法律制度发展完善的启示 另外 对外资银行监管国际合作的典范 巴塞 尔委员会及其发布的巴塞尔协议进行历史考察 评介了巴塞尔协议关于母国和东道国的 责任分工及其核心监管内容的规定 第三部分是本文的重点 分析评价了我国外资银行 监管主体的再造与完善建议 以及我国外资银行监管法律法规的现状 缺陷和完善建议 关键词外资银行 监管主体 监管法律 缺陷 完善建议 Abstract China entered into WTO in December 2001. According to the WTO commitment, within the two years after the entry into WTO, China will open its domestic market of national enterprises to the foreign banks, and within the five years after the entry, China will open its domestic market of local residents to the foreign banks. In this case, the banking industry in China will gradually open its market to the foreign fund banks as far as the service fields and service locations are concerned. On the other hand, a large amount of foreign banks and banking organizations will enter into China. Therefore, it is necessary to discuss how to supervise the foreign banks and banking organizations by laws and regulations efficiently. The goal of this kind of supervision is to maintain the stable development of national banks, to balance the conflict interests of foreign banks and the national banks, and to make the foreign banks serve our country’ s economic development. There are three chapters in this paper. The first chapter provides the comparatively exact definition of foreign banks, makes a common classification, analyzing the necessity of the supervision. The second chapter discusses two typical legal supervision systems: the system of the USA and the one of Japan. It gives the characteristics of the two legal systems, analyzing the experiences that can be learnt by China. Furthermore, it introduces the international banking supervision cooperating organiz