国际金融危机下的银行法对策

Countermeasures of Banking Law in the Background of International Financial Crisis

从百年的金融监管历史来看,金融监管面临两难的选择。在新形势下,中国金融制度应当引入新的风险与安全理念,实现更加开放的风险与安全平衡。银行、证券、保险、信托共性的地方越来越多,风险的传导性也越来越快,但相关的协调机制却没有建立起来,我国应当建立统一的金融监管体制。大规模的混业经营应该是不可能的,可以进行狭义上的混业。金融产品创新本身没有对错之分,只有使用得当与否。不良资产处置的法律环境问题,是资产公司不良资产处置工作面临的重大困难。以消费者为本位对金融法进行研究是非常少的,但其实这是一个非常好的视角,通过对金融消费者的保护,能够促进金融市场持续繁荣。金融危机下中小企业融资的最大难题是没有国家制度、政策支撑,国家现已开始把金融危机的应对策略由救急救穷转为救小。虚拟经济有利于提高经济效率,规避经济风险,有利于合理分配社会资源,产生大量就业和社会财富积累,最积极的作用是融资。关于银行破产标准问题,有学者建议应实行监管性标准,这一标准把监管机构置于破产中的核心地位,所以它对于监管价值的实现是非常明显的。

Over 100 years history shows that the financial supervision is in a dilemma. Under new situation, Chinese financial system should bring in new concepts of risk and security in order to balance them. Because more and more similar businesses are done by banks, security companies, insurance companies and trust companies at the same time, the risks could be transmitted quickly. An universal financial supervison system should be set up in China. A massive financial mixed operation is impossible while the business cooperation among hanks, securities houses and insurers is a good way. As to the innovation of financial products, it is not a matter of correct or wrong, but of proper practice. NPLs disposal is a big obstacle. Consumer-based research on financial law is scarce but it is actually a good perspective. The financial market may be sustainably prosperous through the protection of consumers. The biggest difficulty facing the small and medium-sized private enterprises within the background of financial crisis is a lack of government＇s system and policy support Virtual economy is a good way to improve efficiency, avoid risks, allocate social resources properly; what＇s more, its most positive role is financing. As for the bankruptcy standard of banks, some scholars suggest practising a supervision standard which put the supervison organs in the core of bankruptcy so as to be of obvious help to efficient supervision.