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美国银行业安全的法律规制经历了近百年的演进,形成了以紧跟金融创新发展步伐的渐进性,维护国家金融主权的保护性,寻求体制内各种法律制度互补的平衡性为特征的开放式保护主义法律规制体系。借鉴美国经验,我国在金融开放,实现金融现代化的进程中,也应以公益性、安全性、程序性等诉求为依据,以法律法规的定向约束为手段,以国家利益至上为宗旨,以对国外竞争者设置制度化的市场障碍和金融市场参与者稳健经营为目的,对我国银行业安全法律规制进行完善,以维护国家金融安全。
The legal regulation of the banking industry in the United States has experienced nearly a hundred years of evolution. It has formed an open system characterized by gradual progress in keeping pace with the pace of financial innovation and development, safeguarding the financial sovereignty of the country, and seeking for a balance between various legal systems within the system Protectionist Legal Regulation System. Drawing on the experience of the United States, in the process of opening up to finance and realizing the financial modernization, our country should also rely on the public welfare, security and procedural requirements as the basis, with the directional restraint of laws and regulations as a means and the national interest as the basic principle, Foreign competitors set institutionalized market barriers and financial market participants for the purpose of sound management of China’s banking safety legal regulation to improve in order to safeguard the national financial security.