新加坡金融服务监管法律制度研究

发布时间：2018-07-01 17:38

本文选题：监管 + 风险管理　；参考：《厦门大学》2009年硕士论文

【摘要】： 新加坡国际金融服务中心的形成在很大程度上得益于监管机构依据不同的金融环境进行有效监管,从而维持了金融体系的稳健和安全。亚洲金融危机爆发后,新加坡监管机构认识到金融服务业更需透明、公正和高效的金融市场,因为其能推动金融创新、提高金融机构管理层的风险责任意识及有效保护金融服务和产品的投资者。于是,新加坡监管机构以此为契机创设新的监管理念和监管制度,修复原有体制之缺陷。目前,新加坡金融服务监管法律制度以金融市场和金融服务消费者为范域,涵盖风险管理、公司治理、信息披露和商业友好四部分。本文以上述四大监管法律制度为基来论述新加坡金融服务监管法律制度:第一章概括金融服务监管的具体内涵,且以金融服务监管之内涵为基础分析了其所蕴涵的法学原理;第二章阐述新加坡金融服务监管的框架构成并分析其创设原理,第一节以新加坡监管机构的微观功能和宏观目标为轴论述新加坡监管机构的框架,第二节则以新加坡监管框架为基础分析新加坡所适用的监管理念并对监管机构的独立性进行考察;第三章阐述并分析新加坡金融服务监管之四大法律制度,包括风险管理、公司治理、信息披露及商业友好。第一节主要论述新加坡金融服务业之风险管理法律制度,重点介绍新加坡监管机构新创设的CRAFT风险评级体系。第二节从公司治理的基本理论入手探讨金融服务机构公司治理的特殊性,并以新加坡星展银行为例论述和评价新加坡金融机构公司治理理论。第三节主要评介新加坡金融服务信息之披露法律制度,并分析新加坡金融服务监管从机构评审到信息披露演变之动因、原则和目标;第四节主要探讨新加坡金融服务市场之商业友好法律制度,具体论述商业友好之表现及商业友好之法律规制。总之,新加坡金融服务监管之风险管理、公司治理、信息披露及商业友好根本上是为了维护新加坡金融体系的稳健及加强对金融服务和产品消费者的保护。四大监管法律制度一脉相承:不论是风险管理、公司治理还是信息披露都是为了实现新加坡金融服务市场的商业友好;不论公司治理还是信息披露都是为了风险监管,打造稳健的金融服务体系;而公司治理本身就需要加强金融机构内部治理的信息披露。
[Abstract]:The formation of Singapore's International Financial Services Centre (IFSC) is largely due to the effective supervision by regulators according to different financial environments, thus maintaining the stability and safety of the financial system. In the wake of the Asian financial crisis, Singapore's regulators recognized the greater need for transparent, fair and efficient financial markets in the financial services sector, as they promote financial innovation. To enhance the risk responsibility of the management of financial institutions and to effectively protect investors in financial services and products. Therefore, Singapore's regulators take this opportunity to create a new regulatory concept and system to repair the defects of the existing system. At present, Singapore's financial services regulatory legal system is based on financial markets and financial service consumers, covering four parts: risk management, corporate governance, information disclosure and business friendliness. This paper discusses the legal system of financial service supervision in Singapore on the basis of the above four regulatory legal systems: the first chapter generalizes the specific connotation of financial service supervision and analyzes its legal principles on the basis of the connotation of financial service supervision; The second chapter describes the framework of Singapore's financial services regulation and analyzes its founding principle. The first section discusses the framework of Singapore's regulatory body on the axis of the micro function and macro objective of the Singapore regulatory body. The second section is based on the Singapore regulatory framework to analyze Singapore's applicable regulatory concepts and to examine the independence of regulatory bodies. Chapter III describes and analyzes the four major legal systems of financial services regulation in Singapore, including risk management. Corporate governance, information disclosure and business friendliness. The first section mainly discusses the legal system of risk management in Singapore's financial services industry, focusing on the new risk rating system of CRAFT created by Singapore's regulators. The second section discusses the particularity of corporate governance of financial services institutions from the basic theory of corporate governance and discusses and evaluates the theory of corporate governance of financial institutions in Singapore by taking DBS Bank of Singapore as an example. The third section mainly reviews the legal system of financial service information disclosure in Singapore, and analyzes the causes, principles and objectives of the evolution from institutional review to information disclosure in financial services regulation in Singapore. The fourth section mainly discusses the commercial friendly legal system of Singapore's financial services market, and discusses the performance of commercial friendliness and the legal regulation of commercial friendliness. In summary, the risk management, corporate governance, information disclosure and business friendliness of financial services regulation in Singapore are fundamentally aimed at maintaining the soundness of Singapore's financial system and strengthening consumer protection of financial services and products. The four major regulatory legal systems are in the same vein: whether they are risk management, corporate governance or information disclosure are all to realize the commercial friendliness of Singapore's financial services market; whether corporate governance or information disclosure is all for risk regulation. To create a sound financial service system, corporate governance itself needs to strengthen financial institutions internal governance information disclosure.
【学位授予单位】：厦门大学
【学位级别】：硕士
【学位授予年份】：2009
【分类号】：DD912.28;D933.9

【引证文献】