金融危机后美国金融监管改革及其启示  

The U.S. Financial Supervision Reform after Financial Crisis and Its Implications

作　　者：郑仁杰[1] 

机构地区：[1]厦门大学法学院

出　　处：《金融论坛》2010年第7期27-32,共6页Finance Forum

摘　　要：金融危机重创了全球经济,也让各国重新审视自身的金融监管制度,强化金融监管成为了各国的普遍共识。中国金融业虽然未在金融危机中遭受重创,但不断出现的金融创新对中国目前的分业监管和监管联席会议的模式提出了严峻的挑战。本文认为中国目前的金融监管存在功能性监管缺失、监管联席会议不具备决策职能和执行决策的能力、割裂金融监管与金融调控关系等问题。故本文提出:明确法律法规的授权,组建一个有明确法律权限、有实体组织的协调机构,以完善中国目前的金融监管制度。The fnancial crisis heavily hits the global economy and makes many countries carefully examine their own financial supervisory systems. To strengthen financial supervision becomes a common consensus. Although Chinese financial industry is not heavily hit by the financial crisis, the continuously emerging financial innovations are severe challenges to Chinese current approaches of separated financial supervision and supervision joint conference. This paper argues that there are such problems in Chinese current financial supervision： functional loss, supervision joint conference missing decision-making functions and the capacity of decision-making, separation of financial supervision and financial regulation, etc.. Therefore, the paper proposes that, to improve Chinese current financial supervision, it is necessary to clearly define the rights authorized by laws and set up a coordinating body with clear legal rights.

关 键 词：金融危机 美国金融监管 监管联席会议 

分 类 号：F837.12[经济管理—金融学]