歐洲聯盟銀行監理體系之研究

Banking Supervision in the European Union

洪德欽(Der-Chin Horng)

《歐美研究》 31卷4期 (2001/12) Pp. 819-895

https://doi.org/10.7015/JEAS.200112.0819

摘要

本論文旨在針對歐洲聯盟（以下簡稱歐盟）銀行監理體系之相關法律架構、監理機構、監理措施、運作執行、國際合作等議題加以研究。歐盟銀行監理體系乃區域金融合作最為成功典範，兼顧了銀行自由化、競爭性、效率性、穩定性等面向，以有效因應二十一世紀國際金融之變遷及挑戰。「他山之石，可以攻錯」，歐盟銀行監理體系對各國銀行自由化、金融國際化及國際金融合作等發展，諒能提供諸多寶貴經驗，從事立法之比較研究及政策改革。金融波動所引起之不穩定又已發展為一項國際問題，使本論文議題更有深入研究之現實意義及學理價值。在研究方法方面，本論文乃從「法律」觀點，及文獻分析法，研究歐盟銀行監理體系之架構、規定與運作。

關鍵字

歐洲聯盟 ； 歐洲中央銀行 ； 銀行監理 ； 銀行諮詢委員會 ； 銀行監理委員會

並列摘要

Banking supervision plays a crucial role in the EU's banking liberalization programme, as set out in the Second Banking Directive, which entered into force on 1 January 1993. As the European financial system becomes more complex and integrated, the potential economic and financial costs of a banking crisis are likely to be greater, because the scope for triggering system contagion will be wider. This suggests that banking supervision is necessary for the stability, safety and soundness of the European financial system. The challenge for the EU then, is to build a regulatory system that harnesses the benefits of market liberalization, but also protects fair competition and economic stability. This can be achieved by implementing liberalization where possible, and regulation where necessary. Consequently, the EU's banking liberalization is actually a process involving deregulation as well as re-regulation. This paper provides a comprehensive study of EU banking supervision. The following core issues will be examined in turn: the concept and meaning of EU banking supervision; the legal aspects of banking supervision; the structure, measures and practices of banking supervision; and the role and implications of EU banking supervision on both regional and international financial systems.

並列關鍵字

European Union ； European Central Bank ； banking supervision ； the Banking Advisory Committee ； the Banking Supervision Committee

參考文獻

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Avgouleas, Emilios(2000).The Harmonisation of Rules of Conduct in EU Financial Markets: Economic Analysis, Subsidiarity and Investor Protection.European Law Journal.6(1)

Basel Committee on Banking Supervision(1998).International Convergence of Capital Measurement and Capital Standards.

Basel Committee on Banking Supervision(1999).The Core Principles Methodology.

Benston, George J., Kaufman, George G.(1986).Deregulating Financial Services: Public Policy in Flux.Cambridge, Massachusetts:Ballinger Pub. Co..