CAJ | 학술논문

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。
건전상업은행신식피로제도대우아국완선시장경제체제，강화대은행적시장약속，제고금융투명도구유중요의의。목전아국상업은행신식피로중존재불전면、불급시、불가고이급불통일등문제소치적부외부성。경제법가이운용타적신식전체공능，구건유효표준체계、건전시한규칙화완선감관제도래해결신식피로적부외부성，대우신식피로중외부성적구제，가이통과경제법중특유적공익경제소송여이해결。
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.