“金融监督管理法”核心内容的基本构想

Basic Ideas of the Core Content of the“Financial Supervision and Management Law”

按照我国本轮修改金融法的最初设想:将《证券法》完善成为“资本市场法”,《商业银行法》修改为“银行业法”,形成货币市场法,以此构建我国金融法的核心业务体系。与之相对应,将原金融监管机关进行合并,以解决监管全面覆盖和金融控股公司的监管问题。由于前期条件不够成熟,相关法律修改仍然保留了原有名称,只对部分内容进行了完善。为此,十四届全国人民代表大会批准组建国家金融监督管理总局,统一负责除证券业之外的全部金融监督管理。从金融监管的发展趋势来看,未来中国证监会在金融监管上应同国家金融监管总局保持协调或者合并。因此,将《银行业监督管理法》修改成为“金融监督管理法”的条件已经基本成熟。作为一次系统性的全面修改,应对《银行业监督管理法》相关范畴界定、目标原则、机关设置、监管职责、实施措施、监管协作、法律协调等进行统一完善。

According to the initial concept of the current round of amendments to financial laws in China,the plan was to improve the“Securities Law”and establish it as the“Capital Market Law”,modify the“Commercial Banking Law”into the“Banking Industry Law”,and formulate the Money Market Law,thereby constructing the core business system of China’s financial laws.Correspondingly,the original financial regulatory authorities would be merged to address issues such as comprehensive regulatory coverage and the supervision of financial holding companies.However,due to insufficient preliminary conditions,the related legal amendments still retained the original names and only made improvements to certain contents.Therefore,the 14th National People’s Congress approved the establishment of the National Financial Supervision and Management Administration to assume unified responsibility for all financial supervision and management,except for the securities industry.Considering the development trend of financial regulation,it is expected that the China Securities Regulatory Commission(CSRC)should coordinate or merge with the National Financial Supervision and Management Administration in financial regulation in the future.Hence,the conditions for modifying the“Banking Supervision and Management Law”into the“Financial Supervision and Management Law”have basically matured.This comprehensive systematic revision will focus on the unified improvement of the definition of relevant categories,target principles,organizational setup,regulatory responsibilities,implementation measures,regulatory cooperation,and legal coordination.