作者：邢会强
作者介绍：中央财经大学法学院教授
出版日期：2025年4月9日
内容提要 党的二十届三中全会提出的“制定金融法”，就是要制定一部金融领域的基本法，来统筹其他单行金融法，形成协调统一、比较完备的金融法律法规体系。就定位而言，我国制定的金融法不是金融法典，也不是金融法总则，而是金融法通则和金融基本法。就定向而言，金融法是体现中国特色金融发展道路之法，是规定我国金融基本制度之法，也是实现金融活动监管全覆盖之法。就体系结构而言，金融法应按照“主体→客体→内容→法律责任”的基本逻辑，同时根据金融法的特殊性，参考国内的金融法学学术共识，设置如下七章的结构体系：总则、金融宏观调控、金融市场监管、金融稳定保障、投资者与金融消费者保护、法律责任、附则。
关键词 金融法 金融法典 金融基本法 金融服务法 金融监管法
Abstract: The Third Plenary Session of the 20th Central Committee of the Communist Party of China proposed to ‘formulate financial law’, which aims to formulate a basic law in the financial field to coordinate other separate financial laws and form a coordinated, unified, and relatively complete system of financial laws and regulations. In terms of position, the financial law formulated in China is not a financial code, nor is it a general rule of financial law, but rather a general principle and basic law of financial law. In terms of orientation, financial law is a law that embodies the path of financial development with Chinese characteristics, regulates the basic system of China’s financial sector, and achieves full coverage of financial activity supervision. In terms of system structure, financial law should follow the basic logic of ‘subject, object, content and legal liability’, and based on the particularity of financial law and referring to the academic consensus of financial law in China, establish the following seven chapters of the structural system: General Provisions, Financial Macro Regulation, Financial Market Supervision, Financial Stability Guarantee, Investor and Financial Consumer Protection, Legal Liability, and Supplementary Provisions.