美国金融稳定监管委员会的设立及其启示

On the Establishment of the U.S.Financial Stability Oversight Council And Its Reference

2010年7月22日,美国史上最严厉的金融监管改革法案由奥巴马总统签署生效。此次改革的重点之一,就是新设立了金融稳定监管委员会。金融稳定监管委员会是法定的、实行集体负责制的组织,其职责在于识别风险和应对新型的金融稳定威胁。中国目前没有代表性强的金融稳定监管机构,现行的金融监管协调机制也不能很好地实现金融稳定监管职责。中国应当在借鉴美国最新金融监管改革法案关于金融稳定监管委员会的规定的基础上设立代表性强的金融稳定监管机构,或者在完善现有金融监管协调机制的基础上加入金融稳定监管的内容。

On July 20th, 2010, The Dodd-Frank Wall Street Reform and Consumer Protection Act （ Financial Reform Act） was signed into law by President Barack Obama. The Financial Stability Oversight Council was established according to this new act, and the Financial Stability Oversight Council has a clear statutory mandate that creates for the first time collective accountability for identifying risks and responding to emerging threats to financial stability. China needs to improve a lot on the establishment of such a council and the provision of its duties. This thesis is based on the latest financial reform act and the actual conditions of China, and the authors give some advice accordingly ：to establish a rather representative financial stability oversight council, or authorize the responsibilities of financial stability oversight to the current financial oversight coordination mechanism.