试论我国金融控股公司监管立法的完善——兼评《三大监管机构金融监管分工合作备忘录》的相关规定

2004年6月28日公布的《三大监管机构金融监管分工合作备忘录》是我国首次明确提及金融控股公司并对其监管作出初步安排的法律文件,《备忘录》的出台无疑是规范金融控股公司运营和加强三大金融监管机构协调配合,从而对金融控股公司监管制度化、法律化的重要举措。但是,不可否认,其制度设计与安排依然存在着诸多问题有待完善。本文从《备忘录》中金融控股公司监管机制构建的价值功效入手,在全面评析我国金融控股公司监管机制暨《备忘录》相关规定的基础上,对完善我国金融控股公司监管立法作一初步探讨。

On Perfecting the Legislation Of Supervision about Financial Holding Company

Memorandum of Understanding on Division of Responsibilities and Cooperation in Financial Supervision and Regulation among the CBRC,the CSRC and the CIRC,publicized on June,28 of 2004,is the first law documents of Financial Holding Company and supervision about it.Undoubtedly,the enactment of Memorandum show the significant measure to make the supervision about Financial Holding Company systemize and legalize by regulating the management of Financial Holding Company and enforcing the cooperation among the CBRC,the CSRC and the CIRC.Certainly,there still exist many problems,which are to be consummated.Based on the all-round appraisal of mechanism of supervision about Financial Holding Company in China and the related provision of Memorandum,the article,to take the value of the mechanism of supervision about Financial Holding Company in Memorandum as the point of departure,attempts to preliminarily probe into perfecting the legislation of supervision about Financial Holding Company.