中国金融混业经营的安全底线——商业银行介入投资银行业务的必要法律界限研究

发布时间：2018-05-04 02:50

本文选题：系统性风险 + 法律限度　；参考：《北京社会科学》2016年01期

【摘要】：中国商业银行日益突破传统的存贷业务,开始经营理财产品等投资银行业务。而相关商业银行法规仍然建立在分业监管的基础上,对混业经营创新业务的风险防范明显不足。为了保障储蓄业务的安全,必须解决在混业经营中商业银行究竟"从事哪些业务才是安全的,不能从事哪些高风险银行业务"的问题。次贷危机之后,西方纷纷推出的"结构性改革"措施,核心思想正是加强对商业银行高风险投资银行业务的监管。目前中国银行介入投资银行业务处于缺乏法律规范的发展状态,应当吸取"结构性改革"的有益经验,划定商业银行应当禁止从事的高风险投资银行业务的范围,明确法律界限的"双重维度",防范系统性风险。
[Abstract]:Chinese commercial banks increasingly break through the traditional deposit and loan business and start operating investment banking business such as financial management products. The relevant commercial bank regulations are still based on separate supervision, and the risk prevention of mixed business innovation business is obviously insufficient. In order to ensure the security of savings business, it is necessary to solve the problem of which business is safe and which high risk bank can not be engaged in in the mixed operation of commercial banks. After the subprime mortgage crisis, the core idea of the "structural reform" measures put forward by the West is to strengthen the supervision of the high-risk investment banking business of commercial banks. At present, the Bank of China's intervention in the investment banking business is in a state of development lacking legal norms. It should draw on the beneficial experience of "structural reform" and delimit the scope of the high-risk investment banking business that commercial banks should prohibit from engaging in. Clear the legal boundaries of the "dual dimensions", to guard against systemic risks.
【作者单位】：沈阳师范大学法学院;
【基金】：教育部重大攻关项目(13JZD012)
【分类号】：F832.33

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