金融危機(jī)后美國金融監(jiān)管改革及其對我國的啟示

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目錄
第1章 金融危機(jī)后美國的金融監(jiān)管改革 1
1.1美國金融監(jiān)管改革的背景 1
1.2美國金融監(jiān)管改革的意圖 2
1.3美國金融監(jiān)管改革的內(nèi)容 3
第2章 對美國金融監(jiān)管改革的評析 10
2.1美國金融監(jiān)管改革的成功之處 10
2.2對美國金融監(jiān)管改革的質(zhì)疑 13
2.3美國金融監(jiān)管改革的適用情形 15
第3章 中國金融監(jiān)管存在的問題與面臨的挑戰(zhàn) 17
3.1中國金融監(jiān)管的現(xiàn)狀 17
3.2中國金融監(jiān)管中的問題 18
3.3金融危機(jī)后中國金融監(jiān)管改革面臨的挑戰(zhàn) 22
第4章 美國金融監(jiān)管改革的啟示 24
4.1美國金融監(jiān)管改革對中國的啟示 24
4.2改革中國金融監(jiān)管的建議 25
總結(jié) 31
參考文獻(xiàn) 32


[摘要] 金融監(jiān)管的缺失無疑是造成2008年金融危機(jī)的重要原因，加大金融監(jiān)管的力度成為后危機(jī)時代的主旋律。美國政府自2007年之后前后出臺了多套金融監(jiān)管改革方案，這場大刀闊斧的改革涉及金融機(jī)構(gòu)、產(chǎn)品、市場、消費(fèi)者保護(hù)等多個方面。本次金融監(jiān)管改革有其成功之處，當(dāng)然也不乏質(zhì)疑。中國目前實(shí)行的是“一行三會”的監(jiān)管制度，在體制上呈現(xiàn)分業(yè)監(jiān)管的形態(tài)。在目前國內(nèi)金融公司的陸續(xù)成立，混業(yè)經(jīng)營的不斷發(fā)展，金融業(yè)內(nèi)部的界限變得模糊的新形勢下，傳統(tǒng)的監(jiān)管模式也正在接受考驗(yàn)。結(jié)合當(dāng)前中國金融監(jiān)管中的問題，借鑒美國金融監(jiān)管改革中的先進(jìn)經(jīng)驗(yàn)，中國金融監(jiān)管應(yīng)在金融立法、金融監(jiān)管協(xié)調(diào)性、內(nèi)控機(jī)制、市場約束、信息披露、監(jiān)管人員素質(zhì)等方面做出調(diào)整與改革。

[關(guān)鍵詞] 金融危機(jī)； 金融監(jiān)管 ； 改革
The financial regulatory reform of the United States after the financial crisis and its enlightenment to our country

Abstract：The lack of financial supervision is the important cause of the financial crisis in 2008, increasing the intensity of financial regulation has become the theme of the post-crisis era. The U.S. government has launched a diversity of financial regulatory system reform since 2007 .The radical reform include financial institutions, products, market，consumer protection and many other aspects. Not only this significant reform has its unique feature but also does the reform remain questions. China's supervision system consist of the people's bank of China, the China banking regulatory commission, securities regulatory commission, insurance regulatory commission. All of the three commissions supervised respectively in a system. According to various domestic financial firms and the continuous development of mixed management, financial industry internal boundaries become blurred and the traditional regulatory model is also tested. Combined with the current problems in China's financial supervision, drawing lessons from advanced experience in America's financial regulatory reform, China's financial supervision should make a change in the financial legislation, financial supervision coordination, internal control mechanism, market discipline, information disclosure, the adjustment and reform supervision personnel quality, etc.


Keywords：financial crisis; financial regulation; reform