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標題: | 沒有變革的改革-全球化與台灣金融監理改革 A Reform without Transformation-Globalization and Financial Supervisory Reform in Taiwan |
作者: | Wei-Ting Yen 顏維婷 |
指導教授: | 黃長玲(Chang-Ling Huang) |
關鍵字: | 全球化,金融,金融監理,金管會, globalization,finance,financial supervision, FSC, |
出版年 : | 2010 |
學位: | 碩士 |
摘要: | 金融監理體系反應國家對金融的管制政策,隨著跨國界金融交易量上升,金融監理規範已不能僅依國界劃分,需要有全球層次的規範,各國金融產業才能被有效監理。本研究的主題就是探究台灣的金融監理規範如何在全球層次與國家層次的互動中出現,具體的依變項是《行政院金融監督管理委員會組織法》的設立過程,本研究回答改革為何開始、如何進行以及改革了什麼這三個問題。
在台灣的故事中,金融全球化的壓力與國家本身的自主性同時對台灣金融監理規範的樣貌發生影響力。首先,台灣金融監理改革的啟動是受金融全球化壓力的影響,不過這個壓力並非由外而內輸進台灣,而是國家主觀理解到全球化對台灣可能帶來的衝擊,因此先發制人地進行改革,以宣示台灣要加入國際金融社群的決心。金融監理改革在「宣示」的邏輯下被搬到政治議程中,也是在同樣的邏輯下,改革的方向以成立單一監理機關(也就是行政院金融監督管理委員會)為目標。 再來,在改革如何進行的部份,雖然監理改革是由政治菁英有意識的發動,但改革從草案到三讀通過,實際的執行者都是國家官僚(以財政部官僚為主)。由於台灣的金融產業長期受國家掌控,國家與市場一直呈現前者支配後者的關係,初始的權力關係在邊際報酬遞增的邏輯下形成路徑依賴,因此國家官僚主觀上並不認為需要改革監理體系來增進對市場的監理效率。除此之外,社會在此權力關係下並不存在集體的力量來監督改革方向,加上台灣兩大主要政黨的意識型態分野也不落在對財經議題的態度上,以致於金融監理改革自始至終都缺乏推動的政治動能。這樣的結果是,改革的過程一拖再拖,最後是在選舉的政治考量下通過,而金融監理雖然在樣貌上出現一個類似合併監理的單一組織,但必沒有實質上的改變。 The financial supervisory system is a reflection of a country's financial regulations. As international financial trading increases, it is not feasible to only make financial supervisory rules domestically. The financial industry in a given country can only be supervised effectively through supervisory rules both at the international and the domestic level. The main focus of this thesis is to explore how the financial supervisory system in Taiwan reformed through the interaction between the international level and domestic level. The dependent variable in this study is 'The Organizational Law of the Financial Supervisory Commission of the Executive Yuan' (FSC). By investigating the political process behind its establishment, I aim to answer why the reform began, what the legislative process was, and what changes have occurred since its establishment. The development of the financial supervisory system in Taiwan is affected by the pressure of financial globalization as well as the autonomy of the state. First of all, the initiation of the financial supervisory reform was indeed influenced by the pressure of financial globalization; however, the pressure was not transited through an outside-in route. Rather, the state began the reform in the knowledge of the shocks that globalization might bring. The move represented the states determination to show that it was well-prepared to join the international financial community. As a result, the logic of 'declaration' pushed supervisory reform into political agenda, and it was under the same logic that the target of the reform was to build a single supervisory agency (that is, the FSC). Although the reform was initiated by political elites, the legislative process was led by the state bureaucracy (mainly officials in Ministry of Finance). Since the financial industry has been under the control of the state for a long time, the state has always prevailed over the market. This uneven relationship between the state and the market became path dependent through the mechanism of increasing returns. Therefore, from the perspective of the bureaucracy, there was no need to reform the supervisory system since the system itself was efficient. Besides, there were no pressure groups in society to oversee the reform. In addition, the main political cleavage between the two main parties in Taiwan does not rest on economic or financial issues, leading to partisan indifference toward the reform. These factors resulted in a lack of political momentum during the reform process. Consequently, the financial supervisory reform was stuck in the legislative process for eight years. The bill finally passed in 2003 due to electoral considerations. In appearance, a new single organization emerged out of the reform. In reality, however, little has changed. |
URI: | http://tdr.lib.ntu.edu.tw/jspui/handle/123456789/10646 |
全文授權: | 同意授權(全球公開) |
顯示於系所單位: | 政治學系 |
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