“次贷危机”下美国金融监管体制改革分析  

On the Reform of the US Financial Regulatory System in Subprime Mortgage Crisis

作　　者：邓翔[1] 李雪娇[1] 

机构地区：[1]四川大学经济学院

出　　处：《世界经济研究》2008年第8期68-73,共6页World Economy Studies

基　　金：国家自然科学基金项目(70573075)"经济转型期中国居民的消费;储蓄行为及其对宏观经济的影响"的资助

摘　　要：美国"次贷危机"爆发的主要原因是金融监管未能跟上金融创新的步伐,从而导致监管的缺失。美国财政部新近提出的金融监管的核心内容就是创建更加一体化和系统化的监管体制,以适应金融发展的要求。本文分析了美国金融监管改革方案的主要内容,探讨了方案实施的可行性和方案实施的近期、中长期成本和收益,以及值得中国借鉴的经验和教训。The major cause triggering the Subprime Mortgage Crisis is that the financial regulation system couldn't follow the step of financial innovation so as to lead to lack of supervision.The core content that U.S.Treasury Department recently supposes is to create a more integrated and systematic regulatory system to match the requirement of financial development.The paper analyzes the major content of the blueprint of financial regulation system in US,explores the feasibility and major effects of the proposal in practice as well as offers the lessons and experiences for China.

关 键 词：金融监管体制 次贷危机 改革 

分 类 号：F837.12[经济管理—金融学]