近年來，國內金融問題層出不窮，陸續發生多起的金融弊案，皆有引發金融危機之可能。因此如何強化金融監理效能，建立金融市場之安定與秩序，實為金融革新的重要議題。
世界上多數國家的金融監理架構有單一監理機關與多數監理機關，甚至折衷於二者之方式。我國目前金融市場中因金融商品之區隔性降低、金融購併與金融集團之出現、效率監理原則、及因應WTO的加入考量，究竟如何調整金融監理架構以強化金融監理效能，實為當務之急。因此，政府希冀成立金融監督管理委員會，以有效整合金融發展政策及監理事權，全面加速金融現代化工程，因應未來國際金融競爭趨勢。
而本文，以「論金融統合監理之架構」為題，試圖先對我國現行金融監理架構做一剖析；其次針對單一監理架構—以英國金融服務管理局（Financial Service Authority）、澳洲金融監理總署（Australian Prudential Regulation Authority）、韓國金融監理局（Financial Service Supervision）為介紹；在其次亦就多數監理架構為論述—以美國的金融監理架構為題；繼而對於我國未來金融監理架構—以現行的行政院金融監督管理委員會組織法草案為介紹；最後做一評析與建議。 / In the last decade, Taiwan has experienced several financial institutions scandals and a local financial crisis has almost emerged. Under such a circumstance, it is essential for the Government to undertake regulatory reform in order to enhance the regulatory efficiency and reinstate the social confidence toward the financial markets.
To cope with the entrance into WTO, the trend of financial liberalization, the emergence of financial conglomerates, it seems crucial for Taiwan to reconstruct the regulatory framework to promote the regulatory effectiveness and efficiency. Under such a scenario, the Government intends to establish a new regulatory agency, i.e. the Financial Regulatory Committee, to regulate financial institutions in a consolidated approach.
The main theme of this paper focuses on the issue of the consolidation in financial regulatory structure. In the first place, the current financial regulatory mechanism in Taiwan is addressed and the potential inefficiency is identified. Secondly, some models of the single-regulator approach are examined, including the Financial Services Authority of UK, the Australian Prudential Regulatory Authority and the Financial Services Supervision of South Korea. On the other hand, the US model, the most significant one in the multiple-regulator approach, is also envisaged in the third place. Fourthly, the draft of Financial Regulatory Committee Bill of Taiwan is examined and the potential failures therein are explored. As possible contribution to the financial regulatory reform in Taiwan, some conclusive remarks and suggestions are submitted in the final place.
| Identifer | oai:union.ndltd.org:CHENGCHI/A2002001475 |
| Creators | 林蕙玲, Lin, Hui-Ling |
| Publisher | 國立政治大學 |
| Source Sets | National Chengchi University Libraries |
| Language | 中文 |
| Detected Language | English |
| Type | text |
| Rights | Copyright © nccu library on behalf of the copyright holders |
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