欧洲银行监管委员会《外包标准》(建议稿)介评——兼论我国金融外包监管法之完善

On the CEBS Standard on Outsourcing (consultation paper)——On the perfection of the financial outsourcing supervisory law

金融外包给金融风险监管提出了新的要求。有鉴于此,欧洲银行监管委员会先后出台了两份建议稿试图为银行业务外包风险监管在欧盟的框架内提供统一的指导原则。名为《外包标准》的建议稿是在《外包高级原则》(建议稿)的基础上于2006年4月出台的,二者在名称及具体内容上都有较大的不同。《外包标准》建议稿在保留第1份建议稿特色的基础上,强调了对客户金融隐私的保护,修正了金融监管部门对外包的监管权,使外包业务的分类更加明确。但是,现行建议稿在监管标准的制订上未充分考虑不同种类的外包商可能对外包风险造成的影响,要求所有的外包都必须有服务水平协议也较为绝对化。参考欧洲银行监管委员会在金融外包监管方面的立法经验,考虑我国金融外包的实践,我国应当制定普遍的金融外包监管法,同时对《电子银行业务管理办法》中电子银行业务外包部分进行完善。

The emerging of financial outsoureing is challenging the supervision and management of financial risks. Therefore the CEBS has issued two consultation papers trying to promote greater consistency at the EU level in the area of banking outsourcing. The consultation paper on standard on outsoureing is based on the consultation paper on high level principle on outsoureing and issued on April 2006. The two consultation papers are different in title and contents. The second consultation paper keeps the characteristic of the first paper, and emphasizes on protecting the financial privacy of clients, and revises the power of financial supervisory authorities, and nails down the classification of outsoureing activities. However, the second consultation paper does not consider sufficiently the influence on financial risks from different outsourcing service provider and it is absolute for requiring the SLA in all outsoureing . Learning from the CEBS and considering the outsourcing practices in China, we should enact general financial outsoureing supervisory law and perfect the contents about outsourcing in the measures for the regulation of electronic banking activities.