法學期刊
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論著名稱:
我國銀行於國外分支機構之監理(The Supervision of Taiwan’s Banks of Foreign Establishments)
文獻引用
編著譯者: 林恒志
出版日期: 2016.12
刊登出處: 台灣/法規與遵循第 1 卷 第 1 期/1-21 頁
頁  數: 21 點閱次數: 1608
下載點數: 84 點 銷售明細: 權利金查詢 變更售價
授 權 者: 林恒志
關 鍵 詞: 跨國銀行監理金融監理監理權限分配本國銀行設立國外分支機構應注意事項
中文摘要: 政府近期努力推行企業的新南向政策,若相關企業往東協及南亞各國設廠、營運,台灣銀行業勢必跟隨企業腳步,至東協及南亞各國設立分支機構,而關於銀行在海外的分支機構如何能受到有效的監理,即為一項值得關注的議題,尤其是最近兆豐銀行紐約分行遭紐約州金融服務署(DFS, New York Department of financial service)處以罰款 1.8 億美元,更凸顯對銀行海外分支機構監理的重要性。
本文首先探討金融監理之定義與目的,以界定金融監理的範圍與手段,進而探討跨國金融監理的必要性,在跨國金融監理議題中,母國與地主國監理權限的分配與合作,為跨國金融監理是否成功的要素,因此本文接續整理巴塞爾委員會自 1975 年至 2011 年間,歷次針對跨國銀行監理所發布之相關協議,以各該協議之結論探討跨國金融監理之權限分配與合作等問題。其次,針對我國在海外分支機構之監理,從外部監理開始探討銀行法及主管機關針對海外銀行分支機構訂定之「本國銀行設立國外分支機構應注意事項」此二項法規之內容,再針對金融機構之內部控制制度探討,最後並以金融危機後世界各國金融監理之新趨勢-總體審慎監理、系統重要性金融機構監理等二項監理做概要介紹。
英文關鍵詞: cross-border financial supervisionfinancial supervisiondistribution of the supervisory authorityDirections Concerning the Establishment of Foreign Branches by Domestic Banks
英文摘要: Taiwan government announce “The New Southbound Policy” to encourage the businesses go forward to the nations of ASEAN and South Asia, Taiwan’s banks certainly will follow the businesses’ step to establish the foreign establishments in the nations of ASEAN and South Asia. The issue of effective supervision of banks’ foreign establishments will be observed, especially, after Mega international commercial bank was fined US $ 180,000,000 by New York Department of financial service recently.
This article first discusses the definition and purpose of financial supervision to bind its scope. Secondly, it discusses the necessity of cross-border financial supervision. The distribution and cooperation of the supervisory authority between the home country and the host country in the cross-border financial supervision issues are the essential factors for the success of the multinational financial supervision. Therefore, this article organizes the relevant agreements issued by the Basel Committee from 1975 to 2011 in the light of the supervision of banks of foreign establishments, and according to the relevant agreements’ conclusions to discusses the issues of the distribution and cooperation of cross-border financial supervision. Moreover, focus on the supervision of Taiwan’s banks of foreign establishment, from the external supervision began to explore the Taiwan’s banking law and “Directions Concerning the Establishment of Foreign Branches by Domestic Banks “, then discuss the bank internal control system. Finally introduces two new financial supervisions in the world after the 2008 financial crisis, such as macro prudential supervision and supervision of systemic important financial institutions.
目  次: 壹、前言
貳、跨國金融監理之必要性
一、金融監理之意義
二、跨國金融監理之必要性與權限分配
參、我國銀行設立海外分支機構之監理
一、外部監理
二、內部控制
肆、金融危機後全球金融監理之發展
一、系統性風險與總體審慎監理
二、系統重要性金融機構
伍、結論
相關法條:
相關判解:
相關函釋:
相關論著:
林恒志,我國銀行於國外分支機構之監理,法規與遵循,第 1 卷 第 1 期,1-21 頁,2016年12月。
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