本論文乃從「法律」觀點及「文獻分析法」,研究歐體銀行自由化之發展背景、法律規定與實踐、改革策略、具體成效與影響,以及將來發展動向等議題。論文並以「個案研究法」分析歐洲法院在歐體銀行自由化之角色;以及歐體競爭政策與銀行自由化之互動關係。銀行自由化政策乃歐體完成內部市場金融整合計畫之重要環節。1993年1月1日起,歐體銀行服務業正式邁入一新的階段,得以在歐體內部市場自由營業及自由流通。歐體銀行業據此擴大了市場經濟規模,提昇了銀行業整體競爭力,同時提高歐體在對外關係之談判地位。一九八○年代以後,各國與區域性組織掀起一股銀行自由化風潮,歐體咸被認為是一個成功個案。我國目前正積極發展「台北區域金融中心」。據此,歐體銀行自由化之發展經驗與政策動向皆有高度學理價值與現實意義,值得吾人深入研究。
Banking liberalization is an important part of the EC 1992 Internal Market plan. EC baking liberalization will result in keener competition among countries, leading policy makers to further banking deregulation and other financial services reforms. As a whole, these changes will likely improve EC banking competitiveness in the world market place. It logically follows the EC's intention to improve market access for EC banking in other countries. EC banking liberalization, therefore, has tremendous implications for the international financial system. This paper reviews EC banking liberalization from a legal perspective. It examines EC Treaty provisions, secondary legislation, cases, official documentation, and related secondary resources. The legal approach applied in this paper is also relevant for studying EC banking policy in general. Accordingly, each general subject is discussed in details, from both a case-law study and a policy-oriented approach. Subjects include the nature of banking, the background of EC banking liberalization, EC policies for banking liberalization, the implications of EC banking liberalization, etc. The conclusions highlight that EC banking liberalization has set up a model for financial reform at both national and international levels.
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