| Abstract: | 在兩岸多次協商後，終於在2009年11月16日簽署「兩岸金融監理合作備忘錄」（Memorandum of Understanding，MOU），並於2010年1月16日正式生效實施。使得兩岸金融業的准入成為一個現實。而「兩岸經濟合作架構協議」（Economic Cooperation Framework Agreement，ECFA），亦於2010年6月26日簽署，形式上屬於兩岸特殊性質的經濟合作協議，是一個區域貿易協定，屬於雙邊的自由貿易，是折衝於FTA和CEPA的第三種選擇。簽署ECFA的台灣與中國將互相大幅開放市場給對方，也造成兩岸金融業的更多市場准入互動與實質業務開展。
MOU以及ECFA僅是初步解決市場准入的發端，信息交換、信息保密、共同監督、事後聯繫互訪、危機處理等部分有所依循。但我國金融業者進入中國金融市場後，業務經營的限制以及金融監管的法律適用，才是真正議題的開始。亦即，即使兩岸在金融監理合作備忘錄的簽署以及ECFA的施行，但是整個兩岸金融業之互動與發展還是需回歸到雙方具體法律的適用環境之下，剖析中國金融市場開放前後的法制變革與法制環境，並且藉此分析中國金融業對外資金融法制、與其經營業務範圍、監管法制的理解，是以如何深度檢視相關的法律環境做為業者進入中國的因應與發展，是後ECFA之後的重要且不可或缺的基石所在。
After several rounds of consultations between China and Taiwan, finally on November 16, 2009, we have signed the " Memorandum of Understanding”, MOU, which on January 16, 2010 officially came into effect and makes financial industry access possible to both sides. The " Economic Cooperation Framework Agreement”, ECFA, on June 26, 2010 has been signed, which belongs to a special economic cooperation agreement for both sides, but also is a regional trade agreement, bilateral free trade, which is the third option between CEPA and FTA. Signing ECFA between Taiwan and China will open markets to each other, but also results in more market access possibilities and business interaction for both sides.
MOU and ECFA is only the initial beginning to address market access, information exchange, information security, co-supervision, after contact links, crisis management.
However, the real issue will appear after Taiwan's financial industry entering the China’s financial market, such as business and financial regulations. That is, even after the application of MOU and ECFA, the financial industry interaction and development of both sides need to return to the application of both sides’ law. The goal is to analyze the legal reform and legal system before and after China opening its financial market through foreign financial regulations, its business scope, and understanding legal system. How to view the related laws thoroughly is important and indispensable foundation to whom may enter into China of the post-ECFA. |
