美国金融监管处罚的特征及趋势  

Characteristics and Trends of US Financial Regulatory Penalties

作　　者：罗璠 詹琪 杨茗 

机构地区：[1]中国人民银行武汉分行,湖北武汉430070 [2]中南财经政法大学信息与安全工程学院,湖北武汉430073

出　　处：《西南金融》2019年第9期81-88,共8页Southwest Finance

基　　金：国家社科基金“全球治理框架下国际反洗钱体系的规制俘获与中国方案研究“(17BGJ020)阶段成果

摘　　要：自金融危机以来,美国对各国金融机构的监管愈发严格,当前发动的贸易战更是引起了社会的广泛关注。本文梳理了2008年以来美国对各国金融机构的处罚案例,从监管机构、处罚金额、处罚范围和金融监管政策等角度分析了美国金融监管处罚的特征,包括多头监管协作、处罚金额大、处罚范围广等,不难发现美国对金融机构的监管掺杂着复杂的经济或政治目的,对国外大型金融机构存在监管歧视。基于此,本文为我国金融机构应对美国长臂管辖提出相应的建议,强调我国金融机构应在规范自身的同时,注意规避监管雷区。Since the financial crisis, the United States has become more and more strict in the supervision of fi-nancial institutions in various countries, and the current trade war has aroused widespread concern in society. Thispaper reviews the US penalties for financial institutions in various countries since 2008, and analyzes the character-istics of US financial regulatory penalties from the perspectives of regulatory agencies, penalty amount, penaltyrange and financial regulatory policies, including multi-head supervision and coordination, large penalty amount,and wide penalty range. It is not difficult to find that the regulation of financial institutions in the United States iscomplicated by economic or political purposes, and there are regulatory discrimination against large foreign financialinstitutions. Based on this, this paper puts forward corresponding suggestions for China′s financial institutions todeal with the long arm jurisdiction of the United States, emphasizing that China′s financial institutions should regu-late themselves while paying attention to avoiding the supervision of minefields.

关 键 词：金融监管 监管处罚 金融危机 混业经营 多头监管 长臂管辖 经济制裁 贸易战 金融霸权 经济霸权 反洗钱 贸易保护主义 经济全球化 

分 类 号：F830.9[经济管理—金融学]