金融危机暴露出的美国金融监管弊症及其本源

金融危机充分暴露了美国金融监管的弊症。美国现行金融监管体制下产生金融监管的积弊表症,主要包括监管竞次与法律竞争;分业监管与金融高度混业经营之间的匹配间隙;金融监管不均衡;以及缺乏对系统性风险的监管。这些积弊表症并非一日而就,而是在美国漫长的金融发展过程中逐渐积累而成,并有着美国政治体制、经济理念、法律传统等深层本源。金融监管弊症是美国金融改革的源头,也是改革的目标所向,正视金融监管弊症,从金融实际出发革故鼎新,是金融监管改革有效性的基础。

U.S. Financial Supervision Defect and Origin Exposed in the Financial Crisis

The financial supervision defects of U.S.were exposed during the period of the financial crisis.The current financial supervision system produced several surface of long-standing defect,including mainly race-to-the-bottom regulation and legislation competition,unmatched between the divided supervision and mix-business,disproportion of the financial supervision,and deficiency of the systematic risk supervision.These surface of long-standing defect didn't produce in short time,but accumulated in the long-time...