信息監(jiān)管:我國信貸資產(chǎn)證券化監(jiān)管之最優(yōu)選擇
發(fā)布時間：2018-10-13 19:58
【摘要】：信貸資產(chǎn)證券化作為一種金融創(chuàng)新,將間接融資直接化,打通了銀行信用與市場信用,但其系統(tǒng)性風(fēng)險的放大功能對流行的功能性金融監(jiān)管模式也提出了嚴(yán)重挑戰(zhàn),美國次貸危機(jī)即彰顯了現(xiàn)有監(jiān)管模式對于信貸資產(chǎn)證券化的監(jiān)管缺陷和失敗。反思次貸危機(jī)的根源,本質(zhì)上可以歸咎于金融信息披露的嚴(yán)重失范。比較美國新的金融監(jiān)管體系改革,立足中國實(shí)踐,重構(gòu)金融監(jiān)管體系必須以信息監(jiān)管為中心,以此構(gòu)建一個統(tǒng)合的金融信息平臺,形成有效的信息共享機(jī)制,并進(jìn)一步完善金融機(jī)構(gòu)和監(jiān)管者對金融創(chuàng)新產(chǎn)品的全程信息披露制度,強(qiáng)化對金融消費(fèi)者的保護(hù)。
[Abstract]:As a kind of financial innovation, credit asset securitization can directly direct indirect financing, and open up bank credit and market credit. However, the amplification function of systemic risk also poses a serious challenge to the popular functional financial supervision mode. The subprime mortgage crisis in the United States shows the defects and failures of the existing regulatory model for credit asset securitization. To reflect on the root of the subprime mortgage crisis can be attributed to the serious financial information disclosure. Comparing the reform of the new financial supervision system in the United States, based on the practice of China, the reconstruction of the financial supervision system must take the information supervision as the center, so as to construct an integrated financial information platform and form an effective information sharing mechanism. And further improve the financial institutions and regulators of financial innovation products of the whole information disclosure system, strengthen the protection of financial consumers.
【作者單位】： 上海交通大學(xué)凱原法學(xué)院;
【基金】：國家社會科學(xué)基金青年項(xiàng)目“信貸資產(chǎn)證券化之現(xiàn)實(shí)沖突與法律整合”(項(xiàng)目批準(zhǔn)號06CFX017)的階段性研究成果之一
【分類號】：F832.51;D922.287
[Abstract]:As a kind of financial innovation, credit asset securitization can directly direct indirect financing, and open up bank credit and market credit. However, the amplification function of systemic risk also poses a serious challenge to the popular functional financial supervision mode. The subprime mortgage crisis in the United States shows the defects and failures of the existing regulatory model for credit asset securitization. To reflect on the root of the subprime mortgage crisis can be attributed to the serious financial information disclosure. Comparing the reform of the new financial supervision system in the United States, based on the practice of China, the reconstruction of the financial supervision system must take the information supervision as the center, so as to construct an integrated financial information platform and form an effective information sharing mechanism. And further improve the financial institutions and regulators of financial innovation products of the whole information disclosure system, strengthen the protection of financial consumers.
【作者單位】： 上海交通大學(xué)凱原法學(xué)院;
【基金】：國家社會科學(xué)基金青年項(xiàng)目“信貸資產(chǎn)證券化之現(xiàn)實(shí)沖突與法律整合”(項(xiàng)目批準(zhǔn)號06CFX017)的階段性研究成果之一
【分類號】：F832.51;D922.287
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