【摘要】：美國(guó)次貸危機(jī)自爆發(fā)以來(lái)，其影響不斷擴(kuò)大，以至于發(fā)展成為百年一遇的金融海嘯，世界各國(guó)的經(jīng)濟(jì)都深受其害。次貸危機(jī)的爆發(fā)暴露了美國(guó)現(xiàn)行金融監(jiān)管制度的缺陷，促使美國(guó)對(duì)其監(jiān)管理念和監(jiān)管體系進(jìn)行反思，并對(duì)金融監(jiān)管的方式方法進(jìn)行新的探索，，《多德—弗蘭克華爾街改革和消費(fèi)者保護(hù)法案》就是美國(guó)政府在此次危機(jī)后進(jìn)行大規(guī)模金融監(jiān)管改革的立法嘗試�！抖嗟�-弗蘭克法案》重新審視了美國(guó)金融監(jiān)管體系存在的缺陷，提出了設(shè)立金融穩(wěn)定監(jiān)管委員會(huì)和消費(fèi)者金融保護(hù)局兩大機(jī)構(gòu)，強(qiáng)化監(jiān)管金融衍生品，終結(jié)金融機(jī)構(gòu)“大而不能倒”現(xiàn)狀，監(jiān)督信用評(píng)級(jí)機(jī)構(gòu)等革新內(nèi)容，被業(yè)界評(píng)論為自20世紀(jì)“大蕭條”以來(lái)最嚴(yán)厲的金融監(jiān)管改革法案。該法案針對(duì)性地填補(bǔ)了金融危機(jī)暴露出來(lái)的諸多監(jiān)管漏洞，革新了金融監(jiān)管理念，改革了金融監(jiān)管模式，全面完善了美國(guó)金融監(jiān)管體系和行業(yè)格局，對(duì)美國(guó)金融業(yè)和整個(gè)世界金融環(huán)境都產(chǎn)生了重大影響。但任何一項(xiàng)設(shè)計(jì)都不可能是完美無(wú)缺的，《多德-弗蘭克法案》也存在諸多缺憾，如它并未徹底解決金融機(jī)構(gòu)的監(jiān)管套利行為，限制了銀行的綜合化經(jīng)營(yíng)進(jìn)程，忽視了自律監(jiān)管作用的發(fā)揮等，大大降低了法案的預(yù)期有效性,期待在今后的實(shí)踐中進(jìn)一步完善。由于金融市場(chǎng)尚未完全開放，我國(guó)金融體系和實(shí)體經(jīng)濟(jì)僥幸逃脫了此次危機(jī)的強(qiáng)烈沖擊，但我們應(yīng)該清醒地認(rèn)識(shí)到我國(guó)金融監(jiān)管尚存在著法律不健全、機(jī)制不完善、監(jiān)管方式和手段單一等問(wèn)題，若不盡快加以完善則難以抵御下次金融危機(jī)的沖擊。為此，我們應(yīng)立足我國(guó)國(guó)情，并借鑒國(guó)外立法經(jīng)驗(yàn)，積極開辟出一條適合我國(guó)現(xiàn)狀的金融監(jiān)管改革之路。
[Abstract]:Since the outbreak of the subprime mortgage crisis in the United States, its impact has been expanding, so that it has developed into a financial tsunami once in a hundred years, and the economies of all countries in the world have suffered greatly. The outbreak of the subprime mortgage crisis exposed the defects of the current financial supervision system in the United States, and prompted the United States to reflect on its supervisory concept and regulatory system. The Dodd-Frank Wall Street Reform and Consumer Protection Act is the legislative attempt of the US government to carry out large-scale financial regulatory reform after the crisis. < Dodd-Frank Wall Street Reform and Consumer Protection Act. < Dode- The Frank Act re-examined the shortcomings of the financial regulatory system in the United States. He proposed the establishment of the Financial Stability Regulatory Commission and the Consumer Financial Protection Bureau to strengthen the supervision of financial derivatives, end the status quo of financial institutions "too big to fail", and supervise credit rating agencies, and so on. The industry has described it as the toughest financial regulatory reform act since the Great Depression in the 20 th century. The bill has filled in many regulatory loopholes exposed by the financial crisis, revolutionized the concept of financial supervision, reformed the financial regulatory model, and comprehensively improved the financial regulatory system and industry pattern in the United States. It has had a significant impact on the American financial industry and on the world financial environment as a whole. However, no design can be perfect. The Dodd-Frank Act also has many shortcomings. For example, it has not completely solved the regulatory arbitrage of financial institutions and restricted the process of comprehensive management of banks. It ignores the role of self-regulation, greatly reduces the expected effectiveness of the bill, and expects to be further improved in practice in the future. Since the financial market has not yet been fully opened, China's financial system and the real economy are lucky to escape the strong impact of the crisis. However, we should soberly realize that there are still imperfect laws and imperfect mechanisms in financial supervision in our country. It is difficult to resist the impact of the next financial crisis if it is not improved as soon as possible. Therefore, we should base ourselves on the national conditions of our country and draw lessons from foreign legislative experience, and actively open up a road of financial supervision reform suitable for the present situation of our country.
【學(xué)位授予單位】：湖南大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：D971.2;D922.28

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