解读奥巴马政府的金融监管改革方案

Charting Financial Regulatory Reform of Obama's Administration

2008年开始,全球爆发了由美国"次贷危机"引发的金融危机。2009年6月17日,奥巴马政府公布了金融监管改革方案。透过改革方案,不难发现,美国深层次激励框架的缺陷损害了金融监管的有效性,美国政府的货币、房屋等诸多政策实质上是在鼓励金融管理者过度冒险,危机演变成政治和官僚激励矛盾的必然产物。从强化政府官员责任义务的角度,在危机准备、市场信息、金融安全网成本和薪酬方案等方面提出解决方案。

The world economy has suffered Global financial crisis originating from American subprime crisis in2008. Obama＇s Plan for Financial Regulatory Reform is issued in June,17,2009. Looking through the plan , we can easily see , American deep incentive framework failure that undermines financial supervision efficiency. American government monetary ,house policies ere virtually lure financial management to overadventure , and crisis becomes the inevitable product of contradictory political and incentive system. Finally from the angle of intensifying officials obligation, confer resolution through crisis preparedness, market information, financial safety web cost and compensation system.