美国系统重要性金融机构监管及其启示

Regulation of American Systemically Important Financial Institutions and the Enlightenment

2008年爆发的国际金融危机揭示了系统重要性金融机构在经济和金融稳定中的重要性,世界各国也都逐渐认识到系统重要性金融机构对维护金融稳定至关重要。本文通过对美国系统重要性金融机构监管现状进行分析和评价,在借鉴美国系统重要性金融机构监管经验的基础上,提出通过完善监管决策机制、成立金融消费者保护局、制定监管制度等方式建立我国系统重要性金融机构监管制度的基本思路。

The outbreak of international financial crisis in 2008 indicated the importance of systemically important financial institutions （ SIFIs ） in economy and financial stability. And the countries of the world had gradually realized that SIFIs are of great significance to maintain the financial stability. This paper analyzes and evaluates the regulation status quo of the American SIFIs and by learning the lessons of experiences of regulation of American SIFIs, and it also puts forward basic ideas for constructing regulatory regimes of our country＇s SIFIs through improving regulatory decision-making mechanism, establishing consumer financial protection bureau, making regulatory rules, etc.