美国金融监管的法律变革与特点评析

金融监管体系的调整往往具有“危机指向”的历史特征。美国次贷危机及其引发的危及全球的金融危机爆发后，各国政府，尤其是美国，对自身的金融监管体系重新审视，提出一系列调整方案。美国政府公布的《金融监管体系现代化改革蓝图》、《金融改革框架》和《金融监管改革——新的基础：重建金融监管》等方案，以及此后美国国会众参两院通过的《华尔街改革及消费者保护法案》，均成为美国金融监管体系改革的风向标。了解美国金融监管体系改革的基本动态和监管理念对我国“后危机”时代金融监管体系的完善具有一定的参照意义。

Legal Changes and Characteristics of Financial Regulation in the U. S.

The adjustment of financial regulatory system has the historical characteristics of the crisisorientation. After U. S Subprime mortgage crisis and the resulting global financial crisis threatening the globe, governments, particularly the government of the United States, re-examined the financial regulatory system and suggested a series of adjustment programs. ＂Blueprint for a Modernized Financial Regulatory Stucture＂, ＂Financial Reform Framework ＂and ＂Financial Regulatory Reform a New Foundation： Reconstruction of Financial Supervision＂ and the other programs released by the U. S. government, and ＂The Wall Street Reform and Consumer Protection Act＂, passed by the Houses of the U.S. Congress,have all become the weathervanes of the reform of the U. S. financial regulatory system Understanding the recent progress of U. S financial regulatory system and the ideas of its regulatory reform can be a reference for sound financial regulatory system in post-crisis ages in China.