商业银行信息披露中的负外部性及其经济法解决探析

健全商业银行信息披露制度对于我国完善市场经济体制,强化对银行的市场约束,提高金融透明度具有重要意义。目前我国商业银行信息披露中存在不全面、不及时、不可靠以及不统一等问题所致的负外部性。经济法可以运用它的信息传递功能,构建有效标准体系、健全时限规则和完善监管制度来解决信息披露的负外部性,对于信息披露中外部性的救济,可以通过经济法中特有的公益经济诉讼予以解决。

On the Negative Externalities and the Economic Law of the Information Disclosure of the Commercial Banks

It is important to improve the information disclosure system for the commercial banks, so as to improve China＇s market economy system, strengthen the market discipline on banks, and to improve the financial transparency. The negative externalities of the current information disclosure in China＇s commercial banks is due to the problems of not comprehensive, not timely, unreliable, and not uniform. Economic law can be helped to use its information transmission function to build effective standard system, a sound regulatory system and improve the time limit rules to resolve the disclosure of negative externalities. Meanwhile, economic law can be used to solve the externalities of relief of the information disclosure through the public economic interest litigation.