金融法發展專題回顧：國際視野與本土反思（01.2000—06.2010）

Developments in the Law: A Review of Financial Regulation: Global Perspective and Local Reexamination

王文宇(Wen-Yeu Wang)

《臺大法學論叢》 40卷S期 (2011/10) Pp. 1945-1993

https://doi.org/10.6199/NTULJ.2011.40.SP.14

摘要

二十一世紀前10年，我國金融法制發展深受國際化與本土化兩股力量的激盪與影響。從國際化而言，2008年以降，金融海嘯掀起全球金融監理變革，同時具有特殊關係的兩岸，也在2010年實施金融監理合作，並簽署「兩岸經濟合作架構協議」及「兩岸金融監理合作備忘錄」；在本土化部分，由於長久以來金融業受嚴格限制與保護，造成公營行庫林立，政府為此推動金融改革，然各界對於應否及如何整併，意見仍屬分歧。本文第一部分從國際化與本土化兩個面向，回顧我國過去十年金融法制之發展，並提供未來發展之看法與建議。第二部分說明全球化與本土化的背景，分別探討國際金融海嘯、兩岸經濟合作架構協議、台灣金融業整併、以及本土金融法制的特性等，勾勒出兩股浪潮對我國所產生的契機與挑戰。第三部分檢視紅火案與結構債事件，以及金融消費者保護議題，包括最新通過的金融消費者保護法，主張金融監理宜在興利與防弊間求取平衡。結語部分針對我國金融法制之發展，提出幾點觀察與建議，敬供各界參考。

關鍵字

金融監理 ； 金融海嘯 ； ECFA ； 金融MOU ； 金融改革 ； 關係人交易 ； 金融消費者保護法 ； 金融服務業法草案

並列摘要

During the first decade of the 21st century, Taiwan's financial development has been influenced by the trends of globalization and localization. From the perspective of globalization, the 2008 financial crisis set off the global financial reform; meanwhile, Taiwan and China have entered into the ECFA and Financial MOU in 2010. On the other hand, from the perspective of localization, the financial sector has long been subject to stringent supervision and the market is characterized by the over-banking phenomenon. In an effort to overhaul the financial system, Taiwan government had initiated the first and the second rounds of financial reforms. But public opinion differs as to whether such reforms were justified.This paper aims to review the development of financial regulation in Taiwan over the last decade and offers suggestions for future reform. The second part describes the background of globalization and localization, including the international financial crisis, cross-strait economic cooperation framework agreement, Taiwan's financial industry consolidation, and the characteristics of local financial regulation. In addition, this paper explores the opportunities and threats of financial globalization and localization. The third part introduces the related party transactions controversy ”Hung-Huo” and the structured debt incident. This paper also discusses the issues of financial consumer protection and the recently promulgated Financial Consumer Protection Law. In the conclusion section, this paper offers some observations and suggestions for Taiwan's financial reform.

並列關鍵字

financial supervision ； financial crisis ； ECFA ； Financial MOU ； related party transactions ； Financial Consumer Protection Law ； Draft Financial Service Act