美国金融监管制度改革的新趋势及启示

The New Trend of U.S.Financial Regulatory System Reform and Its Implication

本文基于美国国会于2010年7月15日通过的《金融监管改革法案》,比较了次贷危机前后美国金融监管制度的异同,特别是针对美国在反思其传统监管模式基础上从预防系统性风险角度出发所进行的金融监管改革的新趋势,提出了美国金融监管制度改革对我国金融业未来发展以及金融监管改革的启示。

Based on Financial Regulatory Reform Bill,which was approved by the Senate on July 15,2010,the article compares the difference of U.S.financial regulatory systems before and after the subprime crisis.It points out the new trend of U.S.financial regulatory reform,which focuses on the prevention of systemic risk,and concludes the implication of U.S.financial regulatory reform for China＇s financial industry and financial regulatory reform.