美国对银行业综合经营的立法规制及其启示

发布时间：2018-04-20 14:01

本文选题：商业银行 + 综合经营　；参考：《南方金融》2012年02期

【摘要】：自十九世纪以来,受国内外经济、金融环境等复杂因素影响,美国在银行业综合经营问题上,立法制度几经变迁,最终定型为现行的金融控股公司模式。美国的银行可以依法有限度地介入不动产、股票投资、证券投资、经纪、承销等领域,在资产证券化和信托等领域则有着更大的经营权。历史上,美国国会对银行控股公司和金融控股公司架构下的综合经营可能产生的反竞争后果长期保持了高度警惕,并针对银行业综合经营作出了明确的规范与限制。本文通过分析美国对银行业综合经营立法和监管的发展演变,得出以下启示:竞争、反竞争与风险防控一直是银行业综合经营立法的核心考量;适时立法,及时回应或指引银行业综合经营的集团化发展;根据立法现状,渐进发展具有自身特色的银行监管体系。
[Abstract]:Since the 19th century, influenced by complicated factors such as domestic and foreign economy and financial environment, the legislative system of the United States has changed several times in the comprehensive management of the banking industry, and has finally been finalized as the current mode of financial holding company. American banks can intervene in real estate, stock investment, securities investment, brokerage, underwriting and other fields in accordance with the law, and have greater management rights in such fields as asset securitization and trust. In history, the United States Congress has maintained a high degree of vigilance on the possible anti-competitive consequences of comprehensive management under the framework of bank holding companies and financial holding companies for a long time, and has made clear regulations and restrictions on comprehensive banking management. By analyzing the development and evolution of the comprehensive management legislation and supervision of the banking industry in the United States, this paper draws the following revelations: competition, anti-competition and risk prevention and control have always been the core considerations of the comprehensive management legislation of the banking industry; Timely response to or guide the development of banking comprehensive management; according to the status quo of legislation, the gradual development of the banking regulatory system with its own characteristics.
【作者单位】：中国工商银行城市金融研究所;
【基金】：中国博士后基金面上资助项目《我国金融控股公司立法之法理、原则与规则研究》(项目编号:20110490489)的资助
【分类号】：D971.2;D912.28;F837.12

【共引文献】