摘要
此次国际金融危机显示,过快的金融产品创新和国际化发展在缺乏有效监管的情况下,可能成为引发系统性风险的导火索。危机后,各国当局将金融监管的触角延伸到金融产品层面。以产品监管为核心的功能性监管的确立,是金融监管发展过程中的一个重要里程碑,它实现了金融监管活动向金融体系最微观、最基础元素的延伸。当前,各国在金融产品监管领域的实践,对于我国开展金融产品监管具有重要的启示意义。
The recent international financial crisis has shown that systematic risks may be triggered by hasty innovation and lack of supervision in the international development of financial products.Many countries' financial authorities have enlarged their supervision scope to financial products after the crisis.The establishment of functional regulation as the core of product supervision is an important milestone in the development process of financial regulation.It has expanded the financial regulation scope to the most micro and fundamental elements in the financial system.At present,the product supervision practices in many countries carry significant implications to the financial product supervision in China.
出处
《中国货币市场》
2011年第11期46-50,共5页
China Money
关键词
金融监管
产品监管
金融创新
金融消费者保护
financial regulation
product supervision
financial innovation
financial consumer protection