比例原则在我国金融监管中应用的初步探讨

On the Application of Proportionality Principle in China's Financial Regulation

2008年全球金融危机之后,避免系统性风险,保持金融稳定成为我国进行金融监管体制改革的目标。但如何才能更好地平衡金融监管中的公共利益与被监管者权利,我国理论与实务各界尚未完全达成一致。比例原则作为原则性监管趋势中被引入金融监管法的一个行政法原则,以其固有的功能和优势,可以在金融监管中充当基本原则,从而有效限制公共利益条款的过度扩张,确保金融监管的有效性和金融稳定。本文首先介绍比例原则的内涵、功能与操作模式,在此基础上阐述其应用于金融监管的法治逻辑,证明在金融监管中引入比例原则的必要性,再通过典型案例分析,说明在金融监管中以引入比例原则的可行性,最终得出结论,为我国金融监管改革提供一条新的思路。

After the 2008 global financial crisis, avoiding systemic risk and maintaining financial stability become the goal of China＇s financial regulatory reform. However, there is no a consensus conclusion in China＇s theory and practice about how to balance the public interest and private rights of regulated objects. Because of its inherent function and advantage, proportionality principle is the basic principle put forward in the trend ofprinciples-based regulation, it can be the basic principle in financial regulation, and its operation model can also be applied to financial regulation through integration, so as to limit the excessive expansion of public interest terms and ensure financial stability.Based on the connotation and extension of the principle of proportionality, this paper first demonstrates its application to the rule of law of financial supervision. Secondly, it analyzes the typical case, proves its feasibility, and finally draws a conclusion, and provides a new way for China＇s financial regulationreform.