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| Title: | 在金融控股公司架構下如何防範銀行安全網遭濫用 |
| Authors: | 楊蓁海
Young Jen-hai |
| Contributors: | 沈中華
Shen Chung-Hua
楊蓁海
Young Jen-hai |
| Keywords: | 金融控股公司
安全網
金融補貼 |
| Date: | 2002 |
| Issue Date: | 2009-09-11 17:58:05 (UTC+8) |
| Abstract: | 隨著金融集團組織大型化，金融體系的系統性風險提高。為保護小額存款人及維持金融穩定，銀行安全網實有存在必要。然而銀行安全網的過度補貼也會助長道德風險的問題。理論上，如果銀行遵循法規的成本負擔等於或大於所得到的安全網總補貼，即銀行無法得到政府的實質淨補貼，則銀行安全網遭濫用的可能性將可有效降低。然而實務上，安全網補貼的金額及銀行遵循法規的成本負擔均不易量化估算。
在金融控股公司架構下，為防範銀行安全網遭濫用，可行的方法包括：控制銀行安全網的補貼於適當水準，監控防火牆阻隔利益輸送，健全金融集團體質，加強金融體系之公司治理與市場制約，以及強化金融監理等。我國規範金融控股公司防火牆的相關法規大致粗具，惟亟需加強者在於金融監理、公司治理、市場制約、與社會道德與法治觀念的提升。
為避免金融控股公司及其子公司引發系統性風險、道德風險及銀行安全網遭濫用，本文乃就央行扮演最後貸款者角色、央行扮演支付系統保證付款角色、存款保險及金融監理與法規四方面提出具體建議供金融主管機關決策參考，以期防範未然。
The emergence of financial conglomerates has raised concern over the increasing systemic risk of financial systems. To protect individual depositors and maintain financial stability, the financial safety net is urgently needed. On the other hand, the financial safety net could provide excessive subsidies, thereby incurring moral hazard. Theoretically, if banks’ regulatory cost equals or outweighs gross subsidy from the financial safety net, real net subsidy banks receive from the government will be zero or negative. Then the possibility of abusing the financial safety net could thus be effectively reduced. In practice, however, neither subsidy from the financial safety net nor banks’ regulatory cost can be easily quantified.
Under the framework of financial holding companies, feasible ways to prevent abuse of the financial safety net include the following: (1) keep subsidy from the financial safety net at an appropriate level, (2) build a firewall to insulate illegal profiteering, (3) enhance the health of financial conglomerates, and (4) strengthen corporate governance and market discipline of financial systems, and (5) reinforce financial supervision. In the case of Taiwan, regulations related to firewalls of financial holding companies have been largely in place, while financial supervision, corporate governance, market discipline, morality and the rule of law need to be further emphasized.
To prevent the abuse of the financial safety net, this paper follows four perspectives: (1) the central bank as lender of last resort, (2) the central bank as guarantor of the payment system, (3) deposit insurance, and (4) financial supervision and regulation, and provides concrete suggestions to monetary authorities in devising preemptive measures.
論文提要………………………………………………………………I
壹、緒論………………………………………………………………1
一、研究動機………………………………………………………1
二、研究範圍.…………………………………………………….2
三、研究方法與架構………………………………………………3
四、研究結論的參考價值………………………………………..3
貳、我國金融控股公司概況………………………………………….5
一、金融控股公司的架構與現況…………………………………5
二、金融控股公司可能發生的問題……………………………..8
參、銀行安全網……………………………………………………..11
一、銀行安全網的功能…………………………………………..11
二、銀行安全網的範圍…………………………………………..12
三、銀行安全網的補貼類型……………………………………..19
四、金融補貼移轉的方式………………………………………..23
肆、防範銀行安全網遭濫用的對策………………………………. 26
一、減少銀行安全網補貼………………………………………..26
二、嚴密監控防火牆……………………………………………. 38
三、加強自律機制………………………………………………..44
四、健全金控集團體質…………………………………………..48
五、強化金融監理………………………………………………..50
六、其他方法……………………………………………………..54
伍、結論與建議……………………………………………………..56
附錄…………………………………………………………………..60
一、美國金融安全網的其他重要組成分子……………………..60
二、學者專家對LOLR應否對問題銀行融通的看法…………….61
三、學者專家對美國存保費率是否對銀行補貼的看法……….. 62
四、美國FDIC處理大陸銀行紓困案…………………………….64
五、美國的立即導正措施…………………………………………65
六、我國的立即導正措施…………………………………………66
七、美國金融業防火牆相關法規………………………………… 67
八、我國的資訊防火牆……………………………………………68
九、我國金融控股公司必須揭露的重要資訊……………………69
十、美國金融控股公司的監理方式………………………………70
參考文獻……………………………………………………………. 72 |
| Reference: | 一、中文部份
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| Description: | 碩士
國立政治大學
經營管理碩士學程(EMBA)
90932204
91 |
| Source URI: | http://thesis.lib.nccu.edu.tw/record/#G0090932204 |
| Data Type: | thesis |
| Appears in Collections: | [經營管理碩士學程EMBA] 學位論文
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