【摘要】： 由2007年次貸危機引發(fā)的金融危機,使美國經(jīng)濟陷入從上世紀30年代“大蕭條”以來最嚴重的大衰退,危機以迅猛的速度從美國傳導(dǎo)至全世界,給全球經(jīng)濟帶來重大損失。本篇論文回顧美國金融監(jiān)管法律體系的變遷,研究金融危機爆發(fā)前夕美國金融監(jiān)管法律制度的狀況,綜述危機爆發(fā)后美國政府及國會的緊急性回應(yīng)措施,以及奧巴馬政府當(dāng)下正在進行的金融監(jiān)管法律制度改革舉措,進而對我國完善金融監(jiān)管法律體系提出建議。 上世紀30年代,羅斯福創(chuàng)立的“分業(yè)經(jīng)營,分業(yè)監(jiān)管”的嚴格金融監(jiān)管模式讓美國金融業(yè)和整個經(jīng)濟經(jīng)歷了近半個世紀的穩(wěn)定發(fā)展期。然而,20世紀后半期,金融“去監(jiān)管化”愈演愈烈,《1999金融服務(wù)現(xiàn)代法案》正式改變了分業(yè)經(jīng)營的模式,“去監(jiān)管化”推向高潮,在某種程度上,為此次金融危機埋下了法律上的禍根。危機爆發(fā)前,美國金融監(jiān)管機構(gòu)數(shù)量雖然龐大,但效率低下,漏洞百出,如此不完備的監(jiān)管體制也是導(dǎo)致金融危機爆發(fā)的根源之一。 此次金融危機爆發(fā)后,美國國會通過三部緊急法案,監(jiān)管當(dāng)局也推出應(yīng)急性措施加以應(yīng)對。奧巴馬執(zhí)政后,更是發(fā)表金融監(jiān)管法律制度改革白皮書,系統(tǒng)提出對金融監(jiān)管體系的改革建議,隨后政府、眾議院、參議院相繼推出綜合性金融監(jiān)管制度改革法案,目前正在等待表決。 毫無疑問,此次金融危機讓美國金融監(jiān)管當(dāng)局深刻反思金融監(jiān)管制度存在的問題,本文對其改革舉措和趨勢進行綜述及評價,并對中國完善金融監(jiān)管法律制度提出參考性建議。
[Abstract]:The financial crisis caused by the subprime mortgage crisis in 2007 has plunged the U.S. economy into the worst recession since the Great Depression of the 1930s. The crisis was transmitted from the United States to the world at a rapid speed, bringing great losses to the global economy. This paper reviews the changes of the legal system of financial supervision in the United States, studies the situation of the legal system of financial supervision in the United States immediately before the outbreak of the financial crisis, and summarizes the emergency response measures taken by the US government and Congress after the outbreak of the crisis. And the current Obama administration is carrying out the reform of the financial regulatory legal system, and then to improve the legal system of financial supervision in China. In the 1930s, the strict financial supervision model of "separate operation, separate supervision" created by Roosevelt made the American financial industry and the entire economy experience a stable development period of nearly half a century. However, in the second half of the 20th century, the financial "deregulation" became more and more intense. < 1999 Modern Act of Financial Services > formally changed the mode of separate operation, and "deregulation" reached its climax, to a certain extent, For the financial crisis laid the legal root of the disaster. Before the crisis, although the number of financial regulators in the United States is huge, but inefficient and flawed, such an incomplete regulatory system is also one of the root causes of the financial crisis. In the wake of the financial crisis, Congress passed three emergency bills and regulators responded with emergency measures. After Obama took office, he even published a white paper on the reform of the legal system of financial supervision, systematically putting forward proposals for the reform of the financial supervision system. Subsequently, the government, the House of Representatives, and the Senate introduced one after another a comprehensive bill on the reform of the financial regulatory system. A vote is now pending. There is no doubt that the current financial crisis has made the American financial regulatory authorities reflect on the problems existing in the financial supervision system. This paper summarizes and evaluates its reform measures and trends, and puts forward some suggestions for improving the legal system of financial supervision in China.
【學(xué)位授予單位】：復(fù)旦大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2010
【分類號】：D971.2;DD912.28

【引證文獻】

相關(guān)碩士學(xué)位論文 前2條

1 胡文通;論金融消費者的法律保護[D];重慶大學(xué);2011年

2 饒瑋;金融消費者保護法律制度研究[D];天津財經(jīng)大學(xué);2012年

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本文編號：2169560