银行业监管处罚和解制度的可行性研究

A Feasibility Study of the Reconciliation System of Banking Regulatory Punishment

行政和解是解决行政争议的一种有效方式。本文尝试论证银行业监管处罚引入行政和解制度的可行性,通过理论探讨、国际借鉴、价值分析和制度设计,提供银行业监管处罚和解制度的可行路径和基本框架。银行业监管处罚和解制度,不仅有助于提高行政执法效益,还交叉兼顾了行政主体、行政相对人及金融消费者三方的利益诉求。本文充分借鉴国际行政和解制度的经验,以证券处罚和解制度为参照,提供一套具有法理支撑和实践可行性的银行业监管处罚和解制度安排。

Administrative reconciliation is an effective way to settle administration disputes. This article studies how to establish the reconciliation system of banking regulatory punishment through theoretical analysis, international comparisons, value analysis and system design. A reconciliation system of banking regulation punishment helps to improve the efficiency of banking supervision in consideration of the benefits and rights among the subjects of administration, the administrative agencies and financial consumers. By drawing on experiences from developed countries and the rules applied to securities regulation punishment, this article emphasizes supplying a reconciliation system of banking regulatory punishment with legal basis and practical feasibility.