Research On Legal System Of Banking Security And Efficiency

Banking security is the core of finance security, which is related to economic security, politics security and social stability in one country. Along with the deadline of fully open-door promise after China entering WTO, the banking speeds up the steps on reform: the four major state-owned commercial banks fasten the speed of shareholding system reform and put them onto market, and foreign investors come into the field of Chinese bank as a strategic investor or a financial investor. In the background of a more open policy on finance, the banking security problem becomes an important and urgent problem, which we must face and explain in theory and in practice. This article combines the studying achievement of economics with laws, and combines the theory of bank operating and supervising with my practical experiences. And this article points out that efficiency is a positive security in the viewing of Economics of Law, through the analysis and proof of the relationship between banking security, efficiency, and law system. On the basis of that, and centering on the bank property rights system, the bank operating system, and the bank supervising system, it discusses the new conflicts and problems between the structure of bank property rights and corporate governance, bank separate operation and universal operation, and bank self-regulation and government supervising. It puts forward that how to unify highly the banking security and efficiency, through reforming the bank system and improving finance legislation.This article is divided into five parts, including introduction and four chapters.