后美国次贷危机时代金融监管创新法律问题研究

发布时间：2018-04-20 23:03

本文选题：次贷危机 + 金融危机　；参考：《湖南大学》2010年硕士论文

【摘要】： 发端于美国的次级抵押贷款危机,经过国际金融市场传导机制的作用,迅速在全球范围内扩散,最终让世界各国陷入了自1929年之后最大的国际金融危机之中。面对危机中所暴露的制度缺陷,既是作为对金融危机之前旧有金融监管法律制度的深刻检讨,也是对金融危机之后建立全新金融监管法律制度改革的规划,美国政府先后公布了《现代金融监管体制改革蓝图》和《金融监管改革——新基础：重建金融监管》。次级抵押贷款危机的另一“重灾区”——欧盟,为弥补危机中所显现的金融监管漏洞和不足,则抛出了名为《欧盟金融监管改革方案》的新世纪金融监管改革计划。与此同时,巴塞尔银行监管委员会凭借其在国际金融领域的影响力,发布了多部应对危机的法律性文件,借助这些规范性文件呼吁各国加强国际金融领域的监管合作。次级抵押贷款危机的产生和发展,再一次有力的证明了在国际金融一体化的大背景下,金融系统稳健运行的极端重要性。加强对金融的监管,防范金融危机成为世界各国关注的焦点。随着中国经济对外开放程度不断加大,现存的金融监管模式面对金融市场、金融机构互相融合,金融业务相互交叉的趋势,日益显现出不能适应市场发展,不能满足金融安全需求的缺陷。如何在分析现存缺陷的基础之上,结合自身实际情况,有效借鉴国外在该领域的成功经验也就具有了客观的现实需求。在次级抵押贷款危机推动之下,各种针对不断发展变化的金融市场的法律监管新思维新方案纷纷涌现,把握这些变革的趋势和目的,并参考美国和欧盟提升金融安全的改革方法和措施,无疑对我国未来的金融法律监管改革有着巨大的助益。
[Abstract]:The subprime mortgage crisis, which originated in the United States, spread rapidly in the whole world through the function of the international financial market transmission mechanism, and finally made the countries of the world fall into the biggest international financial crisis since 1929. In the face of the institutional defects exposed in the crisis, it is not only a profound review of the old legal system of financial supervision before the financial crisis, but also a plan for the establishment of a new legal system of financial supervision after the financial crisis. The American government has published the Blueprint of the Reform of Modern Financial Supervision system and the New Foundation of Financial Supervision Reform: rebuilding Financial Supervision. The European Union, another major disaster area of the subprime mortgage crisis, has thrown out a new century financial regulatory reform plan called the European Union's financial regulatory reform plan in order to make up for the loopholes and deficiencies in financial regulation shown in the crisis. At the same time, the Basel Committee on Banking Supervision, with its influence in the international financial field, has issued a number of legal documents to deal with the crisis. With these normative documents, countries are called upon to strengthen regulatory cooperation in the field of international finance. The emergence and development of the subprime mortgage crisis once again proves the extreme importance of the steady operation of the financial system under the background of international financial integration. Strengthening financial supervision and preventing financial crisis has become the focus of attention all over the world. As China's economic opening to the outside world continues to increase, the existing financial supervision model is facing the financial market, the financial institutions are merging with each other, and the financial business is intersecting, which is increasingly showing a tendency that it cannot adapt to the development of the market. Failure to meet financial security needs. On the basis of analyzing the existing defects and combining with the actual situation, it is necessary to draw lessons from the successful experience of foreign countries in this field effectively. Driven by the subprime mortgage crisis, a variety of new ideas and schemes for legal regulation of the ever-changing financial markets have emerged to grasp the trends and purposes of these changes. With reference to the reform methods and measures of improving financial security in the United States and the European Union, there is no doubt that it will be of great help to the future reform of financial legal supervision in China.
【学位授予单位】：湖南大学
【学位级别】：硕士
【学位授予年份】：2010
【分类号】：D971.2;DD912.28

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