成本收益法在美国金融规制影响分析中的应用与启示  

The Application and Enlightenment of Cost-benefit Method in the ImpactAnalysis of Financial Regulation in the United States

作　　者：陈彦达 隋学深[1] 王玉凤[1] Chen Yanda;Sui Xueshen;Wang yufeng(Audit Research Institute of National Audit Office,Beijing 100086,China)

机构地区：[1]审计署审计科研所,北京100086

出　　处：《征信》2020年第10期61-68,共8页Credit Reference

基　　金：国家社会科学基金项目(19BJY032)。

摘　　要：成本收益法在美国金融规制影响分析中的应用较为成熟,其经验主要包括:虽无法律强制要求但金融监管机构主动采用成本收益法,运用重要性原则进行成本收益分析,制定系统的实务操作指南,在成本收益量化模型方面投入了较多的研究力量。借鉴美国金融规制影响分析中应用成本收益法的经验,我国可从明确成本收益法的应用场景、制定金融规制成本收益法的操作指南、充分利用社会公众的评议机制、加大对金融规制成本收益评估研究投入这四个方面,探索成本收益法在金融规制影响分析中的应用。The application of cost-benefit method in the impact analysis of financial regulation in the United States is relatively mature.Its experience mainly includes:although there is no legal mandatory requirements,financial regulators actively adopt the cost-benefit approach,use the principle of importance to conduct cost-benefit analysis,formulate systematic practical operation guidelines,and invest more research strength in the cost-benefit quantitative model.Using the experience of applying cost-benefit method in the impact analysis of financial regulation in the United States for reference,China can explore the application of cost-benefit method in financial regulation impact analysis from four aspects:defining the application scenarios of cost-benefit method,formulating the operation guide of financial regulation cost-benefit method,making full use of the public commentary mechanism,and increasing the investment in the research on cost-benefit evaluation of financial regulation.

关 键 词：成本收益法 金融规制 规制影响分析 

分 类 号：F831.0[经济管理—金融学] F275.3