美国对“次贷”的金融监管及其经济法学思考

Financial Supervision Over "Subprime Mortgage" of the United States and Its Economic-Law Thinking

美国的"次贷"危机所涉及的体制和制度问题都是经济法学传统的、固有的研究对象和领域,在应对这场危机中,经济法学大有可为。住房次级按揭贷款问题及"次贷"危机是典型的"综合经济法律问题",涉及多个部门法,需要动用各法律部门尤其是经济法和社会法的原理,综合系统地分析解决。

The system traditional and inherent and systematic problems related to the ＂subprime mortgage＂ crisis of the United States are researching objects and fields of science of economic law. In dealing with this crisis, science of economic law can do a lot. Subprime mortgage problems and ＂subprime mortgage＂ crisis are typical ＂comprehensive economic and law problems＂, which involve many department laws and need to draw on principles of legal departments, especially those of economic law and social law, to solve it comprehensively and systematically.