欧盟银行监管协调法律机制的进展及前瞻

发布时间：2018-06-02 01:39

本文选题：银行 + 跨境　；参考：《晋阳学刊》2014年05期

【摘要】：银行的跨境经营与国际化发展将各国金融市场联系在一起,促进了金融市场的一体化。但是,一直以来银行的审慎监管主要是基于国别的本地化监管。由于不同国家之间监管制度、监管架构存在较大差异,由此可能带来监管冲突、"逐底式"监管竞争以及金融风险的跨境传播等问题,而这一切将危及金融的稳定及发展。为此,欧盟自上个世纪70年代开始逐渐建立国际银行监管协调法律机制,这一机制经历了成员国之间监管标准的最低限度协调、泛欧监管框架下的综合协调和单一监管机制下的全面协调这三个不同阶段的演进。虽然欧盟银行监管协调法律机制还面临诸多挑战,但其有着坚实的基础,预期发展前景值得乐观。
[Abstract]:The cross-border operation and international development of banks have linked the financial markets of various countries and promoted the integration of financial markets. However, the bank's prudential supervision has been largely based on localized country-based regulation. Because of different countries' regulatory systems and different regulatory structures, there may be regulatory conflicts, "bottom-by-bottom" regulatory competition and cross-border spread of financial risks, all of which will endanger the stability and development of finance. For this reason, the European Union has gradually established a legal mechanism for the coordination of international banking supervision since the 1970s, which has experienced the minimum harmonization of regulatory standards among member States. The evolution of the three stages of integrated coordination under pan-European regulatory framework and overall coordination under a single regulatory mechanism. Although the EU bank regulatory coordination legal mechanism still faces many challenges, but it has a solid foundation, the prospect of development is optimistic.
【作者单位】：厦门大学法学院;
【基金】：司法部2013年度国家法治与法学理论研究项目“后危机时代的全球治理与国际经济法的转型”(项目编号:13SFB2044)的阶段性成果厦门大学“中央高校基本科研业务费专项资金资助项目”(Supported by the Fundamental Research Funds for the Central Universities,项目编号:2012221012)的阶段性成果中组部“首批青年拔尖人才支持计划”(2012)阶段性成果
【分类号】：D996.2;D814.1

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