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題 名 | 我國銀行兼營證券業務法制之研究=Securities Business of Banks: An Analysis of the Regulatory Scheme |
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作 者 | 王文宇; | 書刊名 | 經社法制論叢 |
卷 期 | 24 1999.07[民88.07] |
頁 次 | 頁127-160 |
分類號 | 561.2 |
關鍵詞 | 銀行法; 證券業務; 銀行兼營證券業務; 銀行辦理證券業務; 利益衝突; 關係人交易; 資本適足性; |
語 文 | 中文(Chinese) |
中文摘要 | 銀行在各國均受到高度管制,以確保金融體系安全、維持公平競爭、並且避免利 益衝突。就銀行兼營證券業務法制而言,美國傳統上採取分離管理的政策,但近年為提昇經 營效率,擬開放子公司從事證券業務;日本亦有朝此方向發展的趨勢。另一方面,德國銀行 一向得採取綜合銀行的經營型態,此種方式雖較具競爭力,卻易產生關係人交易等弊端。從 比較法制的觀點而言,我國現行法令對於銀行兼營證券業務限制不多,且相關管理規範尚欠 周延。因此未來政府宣參酌外國法制,就利益衝突、風險控管、資訊交流、業務監理等事項 ,妥善地加以規範。 |
英文摘要 | Banking activities are highly regulated in most countries. This article analyzes the regulatory scheme governing the securities business of banks from a comparative perspective. Current U.S. banking laws separate the two businesses; however, the legislative branch is now considering proposals to relax such restriction. Japan seems to follow similar trend. On the other hand, while German's universal banking system provides maximum flexibility, it is vulnerable to self-dealing and affiliated transactions. Compared with relevant regulations in other jurisdictions, current regulations in Taiwan impose limited restrictions on securities business, and they fail to provide adequate safeguards in certain major areas. Therefore, it is proposed that the government promulgate new rules to regulate these areas, including conflict of interest, risk management, information flow, and business activities. |
本系統中英文摘要資訊取自各篇刊載內容。