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    题名: 中國大陸村鎮銀行法制之研究
    作者: 王文杰
    贡献者: 法律系
    关键词: 村鎮銀行;股權結構;公司治理;服務貿易協議
    Village or Township Banks;ownership structure;corporate governance;Cross-Strait Agreement on Trade in Services
    日期: 2016
    上传时间: 2017-05-17 15:11:18 (UTC+8)
    摘要: 中國大陸所稱村鎮銀行，係指經中國銀監會批准，由境內外金融機構、境內非金融機構企業法人、境內自然人出資，在農村地區設立，主要為當地農民、農業和農村經濟提供金融服務的銀行業金融機構。以解決中國大陸農村地區銀行業金融機構網點覆蓋不足、金融
    供給不足、競爭不充分的問題。2007年中國銀監會發布村鎮銀行管理暫行規定賦於其法源之依據。惟村鎮銀行制度在施行運作以來，法人治理問題、股權結構規範不合理、徵信發展滯後、吸收存款能力薄弱、經管理風險防範皆有不足等問題，陸續凸顯。其現行法律制度的完善、金融監管和永續發展，以及未來制度建設的完善與適用，足堪深度檢視。尤其
    ，兩岸服務貿易協議中，中國大陸亦允許我國金融業參與其中，如何掌握其法制規範並釐出參與利基點之所在，係為本文深度研究之出發點。
    The “village and town bank“ in China refers to a banking financial institution which is invested and established in a rural area by a domestic or overseas financial institution, a domestic non-financial enterprise with legal person status, or a natural person upon the approval of China Banking Regulatory Commission (hereinafter referred to as the CBRC) according to the relevant laws and regulations and whose exclusive purpose is to provide credit services for farmers and for the development of
    agriculture and rural economy. The function is to solve the problems in rural area such as lack of financial institution coverage, insufficient supply of financial services, insufficient competition. In 2007, CBRC issued the Interim Provisions on the Administration of Village and Town Banks, which authorized the source of law. However, since the implementation of “village and town banks“ system, the problems of corporate governance, unreasonable ownership structure regulations, lag of credit check and development, weak deposit capacity, management issues such as inadequate risk prevention, gradually appeared. It is worthy an in-depth review on perfecting the current legal system, financial monitor mechanism, sustainability, and future system development and application. Above all, our banking industry is allowed to participate in this, as agreed in the Cross-Strait Agreement on Trade in Services. Therefore, it is necessary to study in depth how to grasp the legal norms and clarify the niche point.
    關聯: MOST 104-2410-H-004-063
    数据类型: report
    显示于类别:[法律學系] 國科會研究計畫

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