美国金融监管立法改革及其启示

发布时间：2018-06-20 18:05

本文选题：金融监管 + 放松监管　；参考：《华东师范大学》2011年硕士论文

【摘要】：肇始于2007年的次债危机,导致了许多的金融机构破产,并发展成全球领域的金融动荡。在1999年11月12日克林顿总统签署了大萧条以来金融行业监管方面最具影响的法案——至少在当时是最具影响的——《金融服务现代化法》,又称《Gramm-Leach-Bliey Act》(GLBA)法案。当法案签署后,金融服务业迎来了对自“大萧条”所形成的僵硬的金融服务结构的一次重大的放松管制。在2007-2008年金融危机期间及随后的关于金融服务监管的讨论中,GLBA成为了金融界、学术界和政府抨击的对象,被认为该法案是金融危机的触发器。为了应对这次金融动荡,2010年7月21日奥巴马正式签署了《多德-弗兰克华尔街改革和消费者保护法》。该法案被认为是美国自20世纪30年代以来影响最大的金融监管改革法案。本文不仅对金融监管的理论进行了梳理,也比较详细地论述、讨论了对美国金融监管历史上两部相当重要的法律：1999年《金融服务现代化法》和《华尔街改革和消费者保护法》。另外,本文对本次金融危机与《金融服务现代化法》的关系,金融危机发生的原因进行了分析。本论文分别从五个方面来进行研究：第一部分简要介绍了金融监管的理论基础；第二部分总结了美国金融监管立法的主体内容；第三部分、第四部分分别研究了美国放松金融监管的立法改革和加强金融监管的立法改革；第五部分提出了美国金融监管立法改革对我国金融监管的立法启示。
[Abstract]:The subprime crisis, which began in 2007, led to the bankruptcy of many financial institutions and developed into global financial turmoil. On November 12, 1999, President Clinton signed the most influential financial industry regulatory act since the Great Depression-at least the most influential at the time-the Financial Services Modernization Act, also known as the Gramm-Leach-Bliey Act. When the bill was signed, the financial services sector ushered in a major deregulation of the rigid financial services structure created by the Great Depression. During the 2007-2008 financial crisis and subsequent discussions on regulation of financial services, GLBA became the target of criticism from the financial world, academia and the government as the trigger for the financial crisis. In response to the financial turmoil, Obama signed the Dodd-Frank Wall Street Reform and Consumer Protection Act on July 21, 2010. The bill is considered the most influential financial regulatory reform act in the United States since the 1930s. This paper not only combs the theory of financial regulation, but also discusses in detail two important laws in the history of financial supervision in the United States: the Financial Services Modernization Act of 1999 and the Wall Street Reform and Consumer Protection Act. In addition, this paper analyzes the relationship between the financial crisis and the Modernization of Financial Services Act, and the causes of the financial crisis. The first part briefly introduces the theoretical basis of financial supervision; the second part summarizes the main content of American financial regulation legislation; the third part, The fourth part studies the legislative reform of deregulation and the legislative reform of strengthening financial supervision in the United States, and the fifth part puts forward the legislative enlightenment of the legislative reform of financial supervision in the United States to our financial supervision.
【学位授予单位】：华东师范大学
【学位级别】：硕士
【学位授予年份】：2011
【分类号】：D971.2;DD912.28

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