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一、经济转型条件下的法律风险 美国著名经济家罗纳德·哈里·科斯认为,在中国法律体制的改革是深化经济改革的一个重要方面。可是法律体系欠缺精确性,影响了中国的经济改革,因此,目前中国需要的不是更多的经济学,而是更多的法律。事实上,自1995年以来我国已出台了一系列金融法律法规,包括《中国人民银行法》、《商业银行法》、《保险法》、《担保法》、《票据法》、《证券法》、《贷款通则》等,然而金融法治化并非借若干立法工作就能实现的,有法不依和执法不严依然是当前中国金融法律制度建设的最大障碍。
I. Legal Risks Under Economic Transition The famous U.S. economist Ronald Harry Coase believes that the reform of the legal system in China is an important aspect of deepening economic reform. However, the lack of accuracy of the legal system has affected China’s economic reform. Therefore, at present, China needs more economics instead of more laws. In fact, China has promulgated a series of financial laws and regulations since 1995, including the Law of the People’s Bank of China, the Law of Commercial Banks, the Insurance Law, the Guarantee Law, the Negotiable Instruments Law, the Securities Law, General Rules for Loans, and so on. However, the legalization of finance is not achieved through a number of legislative tasks. The failure to abide by laws and enforce laws is still the biggest obstacle to the construction of China’s financial legal system.