銀行業(yè)自律制度的比較研究.pdf

1、摘要摘要市場(chǎng)經(jīng)濟(jì)發(fā)展歷史證明，在國(guó)家對(duì)國(guó)民經(jīng)濟(jì)的調(diào)控中，基于“市場(chǎng)失靈”和政府調(diào)控手段的局限性，國(guó)家應(yīng)充分發(fā)揮社會(huì)自治組織的積極作用，只有國(guó)家、市場(chǎng)、社會(huì)自治組織各自發(fā)揮其所長(zhǎng)，方能促使國(guó)民經(jīng)濟(jì)健康、穩(wěn)定、快速發(fā)展。.行業(yè)協(xié)會(huì)作為市場(chǎng)經(jīng)濟(jì)發(fā)展的必然產(chǎn)物，是市場(chǎng)經(jīng)濟(jì)主體為了表達(dá)自身的愿望與要求，維護(hù)共同的經(jīng)濟(jì)利益和社會(huì)利益而組成的行業(yè)自律性、非營(yíng)利性的社會(huì)團(tuán)體法人，具有協(xié)調(diào)各會(huì)員合法利益、提高市場(chǎng)配置資源效率和維護(hù)市場(chǎng)經(jīng)濟(jì)運(yùn)行秩序的功能，

2、是市場(chǎng)經(jīng)濟(jì)體系的重要組成部分。近年來我國(guó)銀行業(yè)協(xié)會(huì)開始建立并發(fā)揮作用，然而，與發(fā)達(dá)國(guó)家的類似組織相比，關(guān)于我國(guó)銀行業(yè)協(xié)會(huì)的地位、職能、自律規(guī)范和管理體制的研究還很不充分，有必要通過與代表性國(guó)家銀行業(yè)自律組織的比較，探討我國(guó)銀行業(yè)監(jiān)管模式下銀行業(yè)協(xié)會(huì)的法律地位、職責(zé)組織結(jié)構(gòu)，探究銀行業(yè)協(xié)會(huì)的獨(dú)立性、權(quán)威性與自律規(guī)則等問題，希望通過對(duì)上述問題的比較研究，分析我國(guó)銀行業(yè)協(xié)會(huì)發(fā)展中存在的影響其職能發(fā)揮的各種因素，探討如何完善我國(guó)銀行業(yè)協(xié)會(huì)的自律

3、規(guī)則與服務(wù)職能，使銀行業(yè)協(xié)會(huì)在社會(huì)經(jīng)濟(jì)發(fā)展過程中發(fā)揮出市場(chǎng)經(jīng)濟(jì)所需要的、不可或缺的作用。筆者認(rèn)為:第一，銀行業(yè)協(xié)會(huì)的產(chǎn)生是市場(chǎng)經(jīng)濟(jì)發(fā)展的必然，雖然我國(guó)的銀行業(yè)協(xié)會(huì)是在國(guó)家主導(dǎo)的模式下產(chǎn)生的，但是依然是一個(gè)獨(dú)立的社會(huì)團(tuán)體。其組織章程既有私法的性質(zhì)又有公法的性質(zhì)，協(xié)會(huì)的權(quán)利來源是修正的社會(huì)契約，并且享有制定自律規(guī)則的權(quán)利。第二，各個(gè)國(guó)家其銀行業(yè)監(jiān)管是本國(guó)歷史傳統(tǒng)、法制結(jié)構(gòu)、政治經(jīng)濟(jì)等多方面因素共同作用的結(jié)果，很難判斷哪國(guó)的監(jiān)管模式具有最優(yōu)效

4、果，只能說特定的模式適合特定的國(guó)情。第三，行業(yè)協(xié)會(huì)與國(guó)家行政機(jī)關(guān)、會(huì)員的關(guān)系，應(yīng)該得到改善，改變“分級(jí)登記，雙重管理”，改善行業(yè)協(xié)會(huì)經(jīng)費(fèi)不獨(dú)立、不充足的問題，同時(shí)應(yīng)當(dāng)看到從根本上講，行業(yè)自律規(guī)則與國(guó)家相關(guān)法律、法規(guī)的分界線具體的分界線是不AbstractAbstractThedevelopmenthistoryofmarketeconomyprovesthatduringChinasgeneraladjustmentonnational

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