跨國銀行市場進入監管的國際合作之研究

從現有的文獻看，目前學術界對國際金融監管的研究還處在一個初級階段，還沒有形成能夠為大家所認可的基礎理論。現有的理論文獻主要還是借用賽局理論分析架構來說明，運用經濟學原理進行分析的文獻不多；而且目前的文獻研究的大都是國際金融監管合作的原因，對合作本身的研究還沒有展開。因此，本文研究目的將以跨國銀行市場進入監管的國際合作為主題，利用賽局理論分析及個案說明做嘗試性研究。其研究結果顯示：一、跨國銀行跨國銀行市場進入監管的國際合作在一定層面上彌補了各國監管法規和方法的差異，同時也促進了國際金融市場的有序運作，有助於銀行業的公平競爭，因此，在金融全球化的背景下，新的形勢要求我們尋找最佳路徑，參與國際監管合作，提高跨國銀行監管的效率。二、歐盟歐盟的金融監管的國際合作是隨著歐盟金融一體化的不斷推進而深化的，目前歐盟金融監管的國際合作已經取得了很好的成績，在金融監管的國際合作的形式、內容範圍上都比其他國家和國際金融監管組織要好。但是，歐盟目前的金融監管還是在各國分散監管的體制上開展的，各國獨立的金融監管仍然是歐盟金融一體化的最大障礙。

關鍵字

市場進入；金融監管；賽局理論

並列摘要

Various literatures have indicated that current academic studies on international financial regulation are still on an initial stage, that is, no basic theories have been recognized by everyone. Most existing literatures borrow from game theory as an analysis framework. Literatures based on economic principles are rarely seen. Since most literatures focus on the cause of cooperation of international financial regulation, exploration on the cooperation itself has not been made yet. Therefore, based on the entrance of cooperation of transnational bank regulations as the subject, the study conducts an experimental study by applying game theory analysis and case explanation. Results show: A. Transnational bank market On some aspects, cooperation among translational banks has filled the gap of rules and methods existing between various countries. At the same time, it also helps form fair competition by promoting orderly operation of international market. The new situations of globalization of financing require us to search for the optimal approach, participate in international cooperation of bank regulation, and enhance efficiency of transnational bank regulation. B. European Union EU’s international cooperation of financial regulation is gradually moving towards a unified system and has shown great results. Its form, contents and scope are better than those of many other countries and international financial regulation organizations. Nevertheless, its present regulation has been developed on the basis of separate regulations of member states, which constitutes the biggest obstacle of EU’s financial unification.