次贷危机后美国金融监管体制改革及对中国的启示
发布时间：2019-03-22 16:43
【摘要】： 次贷危机爆发后,美国政府深刻认识到自身金融监管体制存在的缺陷,决心进行大规模监管体制改革。2009年奥巴马政府的《金融监管改革——新的基础》是最新的改革方案,也是目前正在通过立法程序的改革方案。美国是世界上金融业最发达、金融创新最为活跃的国家,美国的金融监管改革方向在一定程度上代表着世界金融监管体系的发展方向,且一旦付诸实施,必然对世界金融监管体系产生深远影响。 从美国金融监管改革的背景来看,政府失灵所导致的监管空白和监管放松,以及对消费者和投资者的保护不足,是次贷危机形成的监管原因。为了弥补监管体系的漏洞,防止类似的金融危机再次发生,改革方案提议健全金融机构监管、建立对金融市场的全面监管、保护消费者和投资者免受金融欺诈、为政府提供应对危机的工具,以及提升国际监管标准并加强国际合作。这些转变有效地解决了次贷危机暴露出来的一些监管问题,并在混业监管、跨国监管协作等多个方面做出了有益尝试。但是,改革方案仍存在一些有待改进的不足之处。 中国的金融业正在不断地向混业化、复杂化的方向发展。在此之际,中国金融监管体系需要适应金融行业的变化,及时进行改革,以实现降低系统性风险、促进市场健康有序发展的监管目标。
[Abstract]:After the outbreak of the subprime mortgage crisis, the United States government, deeply aware of the shortcomings of its financial regulatory system, was determined to carry out a large-scale regulatory reform. In 2009, the Obama administration's "Financial Regulatory Reform-the New Foundation" was the latest reform plan. It is also a reform plan that is currently being adopted through the legislative process. The United States is the world's most developed financial industry, the most active financial innovation, the direction of financial regulatory reform in the United States to a certain extent represents the direction of the development of the world financial regulatory system, and once implemented, Must have a far-reaching impact on the world financial regulatory system. From the background of financial regulatory reform in the United States, the regulatory gaps and deregulation caused by government failure, as well as inadequate protection of consumers and investors, are the regulatory reasons for the formation of the subprime mortgage crisis. In order to fill the loopholes in the regulatory system and prevent the recurrence of similar financial crises, the reform proposed sound regulation of financial institutions, comprehensive regulation of financial markets and protection of consumers and investors from financial fraud. Provide governments with tools to respond to crises, raise international regulatory standards and strengthen international cooperation. These changes have effectively solved some regulatory problems exposed by the sub-prime mortgage crisis, and made useful attempts in many aspects such as mixed-industry regulation, cross-border regulatory collaboration and so on. However, there are still some shortcomings to be improved in the reform plan. China's financial industry is constantly becoming mixed and complex. At this time, China's financial regulatory system needs to adapt to the changes in the financial industry, timely reform, in order to achieve the goal of reducing systemic risk and promoting the healthy and orderly development of the market.
【学位授予单位】：外交学院
【学位级别】：硕士
【学位授予年份】：2010
【分类号】：F837.12;F832.1
本文编号：2445757
[Abstract]:After the outbreak of the subprime mortgage crisis, the United States government, deeply aware of the shortcomings of its financial regulatory system, was determined to carry out a large-scale regulatory reform. In 2009, the Obama administration's "Financial Regulatory Reform-the New Foundation" was the latest reform plan. It is also a reform plan that is currently being adopted through the legislative process. The United States is the world's most developed financial industry, the most active financial innovation, the direction of financial regulatory reform in the United States to a certain extent represents the direction of the development of the world financial regulatory system, and once implemented, Must have a far-reaching impact on the world financial regulatory system. From the background of financial regulatory reform in the United States, the regulatory gaps and deregulation caused by government failure, as well as inadequate protection of consumers and investors, are the regulatory reasons for the formation of the subprime mortgage crisis. In order to fill the loopholes in the regulatory system and prevent the recurrence of similar financial crises, the reform proposed sound regulation of financial institutions, comprehensive regulation of financial markets and protection of consumers and investors from financial fraud. Provide governments with tools to respond to crises, raise international regulatory standards and strengthen international cooperation. These changes have effectively solved some regulatory problems exposed by the sub-prime mortgage crisis, and made useful attempts in many aspects such as mixed-industry regulation, cross-border regulatory collaboration and so on. However, there are still some shortcomings to be improved in the reform plan. China's financial industry is constantly becoming mixed and complex. At this time, China's financial regulatory system needs to adapt to the changes in the financial industry, timely reform, in order to achieve the goal of reducing systemic risk and promoting the healthy and orderly development of the market.
【学位授予单位】：外交学院
【学位级别】：硕士
【学位授予年份】：2010
【分类号】：F837.12;F832.1
【引证文献】
相关硕士学位论文 前1条
1 周立妍;后危机时期金融监管的国际比较研究[D];山东财经大学;2012年
，本文编号：2445757
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