【摘要】： 次貸危機爆發(fā)后,美國政府深刻認識到自身金融監(jiān)管體制存在的缺陷,決心進行大規(guī)模監(jiān)管體制改革。2009年奧巴馬政府的《金融監(jiān)管改革——新的基礎(chǔ)》是最新的改革方案,也是目前正在通過立法程序的改革方案。美國是世界上金融業(yè)最發(fā)達、金融創(chuàng)新最為活躍的國家,美國的金融監(jiān)管改革方向在一定程度上代表著世界金融監(jiān)管體系的發(fā)展方向,且一旦付諸實施,必然對世界金融監(jiān)管體系產(chǎn)生深遠影響。 從美國金融監(jiān)管改革的背景來看,政府失靈所導(dǎo)致的監(jiān)管空白和監(jiān)管放松,以及對消費者和投資者的保護不足,是次貸危機形成的監(jiān)管原因。為了彌補監(jiān)管體系的漏洞,防止類似的金融危機再次發(fā)生,改革方案提議健全金融機構(gòu)監(jiān)管、建立對金融市場的全面監(jiān)管、保護消費者和投資者免受金融欺詐、為政府提供應(yīng)對危機的工具,以及提升國際監(jiān)管標準并加強國際合作。這些轉(zhuǎn)變有效地解決了次貸危機暴露出來的一些監(jiān)管問題,并在混業(yè)監(jiān)管、跨國監(jiān)管協(xié)作等多個方面做出了有益嘗試。但是,改革方案仍存在一些有待改進的不足之處。 中國的金融業(yè)正在不斷地向混業(yè)化、復(fù)雜化的方向發(fā)展。在此之際,中國金融監(jiān)管體系需要適應(yīng)金融行業(yè)的變化,及時進行改革,以實現(xiàn)降低系統(tǒng)性風(fēng)險、促進市場健康有序發(fā)展的監(jiān)管目標。
[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.
【學(xué)位授予單位】：外交學(xué)院
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2010
【分類號】：F837.12;F832.1

【引證文獻】

相關(guān)碩士學(xué)位論文 前1條

1 周立妍;后危機時期金融監(jiān)管的國際比較研究[D];山東財經(jīng)大學(xué);2012年

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本文編號：2445757