美国系统性风险折射出的金融监管问题  

作　　者：周南[1] 

机构地区：[1]长沙商贸旅游职业技术学院,湖南长沙410000

出　　处：《保险职业学院学报》2013年第6期67-71,共5页Journal of Insurance Professional College

摘　　要：美国金融系统在2002-2009年存在着严重的系统性风险。尤其是次贷危机对美国经济造成的影响,甚至超过了大萧条。社会各界普遍认为,美国的金融监管部门因为其设计的制度不合理,以致没有及时发现和控制美国潜在的系统性风险。系统性风险折射出的金融监管制度的缺陷主要体现在三个方面:以金融监管理念、监管对象和监管主体。这三个方面为主要内容的监管制度对风险的产生、积累和传播起到了推波助澜的作用。下面将从三个角度剖析美国金融金融监管制度存在的主要问题。There existed severe systemic risk in the financial system of the USA 2002 -2009. The influence of subprime mortgage crisis on American economy was even greater than that of the Great Depression. It is widely acknowledged that the unreasonable design of the system by the American financial supervision and regulation department led to the failure of timely detection and control of the the potential systemic risks. The defects reflected by the systemic risks in the financial regulatory system lies in three aspects： the concept , objects and subjects of financial regulation. These three aspects of the regulatory system contributed to the occurrence, accumulation and spread of the risks. The paper is going to analyse the major problems in the American financial regulatory system from three aspects.

关 键 词：金融监管 金融监管制度 系统性风险 

分 类 号：F830[经济管理—金融学]