WTO規範下海峽兩岸新金融法秩序之展望

The Perspective of New Financial Legal Framework between Taiwan and Mainland China under the WTO Regulation

王志誠(Chih-Cheng Wang)

《中正大學法學集刊》 9期 (2002/10) Pp. 161-206

https://doi.org/10.30094/NCCULJ.200210.0004

摘要

本文乃從海峽兩岸金融業務往來之法律基礎出發，分析臺灣地區與大陸地區在混沌不清之政治情勢下，海峽兩岸金融機構從事金融業務往來之實情。其次，則本於服務業貿易總協定對金融服務業所建立之最惠國待遇原則、透明化原則、國民待遇原則及市場開放原則，以及檢視臺灣與大陸所填列金融服務業承諾表之內容，期能指出海峽兩岸調整管制措施之應有方向，並作為本文建置海峽兩岸新金融法秩序之基礎。
至於臺灣與大陸於開放金融機構相互設立分支機構後，除應共同維護金融機構自由公平競爭之環境外，本文認為應依合併監理及二元監理之原則，由海峽兩岸金融主管機關共同擔負起金融監理之責任，並協商母國監理當局赴地主國監理當局進行金融檢查之具體模式。其次，亦應基於交換監理資訊之理念，建立監理資訊交換之可行模式，以加強海峽兩岸金融監理之合作。此外，由於國際上金融機構有邁向跨業經營之趨勢，從而本文尚指出大陸與臺灣皆應面對金融機構之跨業整合問題，並建立金融市場自由及公平之競爭秩序。

關鍵字

WTO ； GATS ； 世界貿易組織 ； 服務業貿易總協定 ； 金融服務業 ； 最惠國待遇原則 ； 公開化原則 ； 國民待遇原則 ； 市場開放原則 ； 二元監理 ； 合併監理

並列摘要

This article stands on the legal base of cross-strait financial activities, analyzing the truth of that between Taiwan area and Mainland area under the obscure political situations. According to the principles of most-favoured-national treatment, transparency, national treatment, market access of GATS and the content of cross-strait financial service commitment, showing the way of the adjust of the cross-strait regulation, serving as the base of the construction of the cross-strait new financial legal framework between Taiwan and Mainland China.
After the relaxing of setting up the new financial branches or subsidaries between Taiwan and Mainland China, according to the principles of consolidated supervision and dual key supervision., the cross-strait financial authorities should protect the free, fair and competitive environment, shoulder the obligation of the financial supervision, and setting up the mode to require the homeland authorities to implement the financial investigation with local authorities. In order to enhance the cooperation between the cross-strait financial supervision, the authorities should base on the ideal of exchanging the supervised information and construct the applicable mode. Besides, owing to the trend of international financial combination, Taiwan and Mainland China should face the question of cross-combination of financial institution, and construct the free and fair competitive order in financial market.

並列關鍵字

WTO ； GATS ； financial industry ； most-favoured-national treatment ； transparency ； national treatment ； market access ； consolidated supervision ； dual key supervision