摘要
全球金融危机的爆发与蔓延给世界各国的金融消费者带来了深重灾难,充分暴露了既有金融监管体制的重大缺陷,同时也催生了新一轮金融监管法制大变革:防范系统性风险与保护金融消费者并重,重塑监管目标;审慎监管职能与金融消费者保护职能分离,调整监管架构;机构监管向行为监管延伸,拓宽监管范围;引导市场竞争与实施审慎监管互补,优化监管方式。这些改革,反映了后危机时代国际金融监管法制的发展趋势,值得研究和借鉴。
The outbreak and wide spread of global financial crisis in 2008 have brought great disaster to financial consumers around the world,have fully exposed major defects of existed financial regulatory system,and have boosted a new round of reform of international financial regulation： remodel regulatory goals to balance system risk prevention and financial consum- er protection; adjust regulatory governance structure to separate prudential regulation and financial consumer protection; ex tend the scope of regulation from institution regulation to conduct regulation; and optimize regulatory method through com- bined action of market competition and prudential regulation. These reforms represent the development tendency of legal system of international financial regulation in post-crisis era and are worth studying.
出处
《武汉大学学报（哲学社会科学版）》
CSSCI
北大核心
2013年第6期15-20,共6页
Wuhan University Journal：Philosophy & Social Science
基金
教育部人文社会科学重点研究基地重大项目(11JJD820009)
关键词
金融消费者保护
目标监管
行为监管
市场竞争
financial consumer protection
objectives-based regulation
conduct regulation
market competition
