次贷危机对我国金融监管体制的影响

The Influence of Subprime Mortgage Crisis on China’s Financial Supervision System

美国次贷危机的发生严重影响了本国经济体系的发展,导致本身的经济崩溃,给整个国家造成很大的动荡。甚至还诱发了整个世界的经济危机,该危机的出现导致世界大范围的经济,遭受到前所未有的打击。次贷危机始于美国,对美国经济体系的影响是最大的。本国对此负有很大的责任。之所以会出现这样的问题,是因为金融监督监管不到位,导致经济危机逐渐蔓延,造成世界经济迟缓发展。对此,本文从美国次贷危机产生的原因以及对本国经济的影响,深入分析次贷危机对我国金融监管体制的影响,最后吸取教训,提出我国金融体制长远发展的对策,真正实现我国金融监管体制的长远发展。

The occurrence of the American subprime mortgage crisis has seriously affected the development of the domestic economic system,resulting in its own economic collapse and causing great turbulence to the whole country. It even triggered an economic crisis in the whole world,which caused an unprecedented blow to the global economy. The emergence of the subprime mortgage crisis has undoubtedly the greatest impact on the American economic system,for which the country bears a great responsibility. The reason for this problem is that the financial supervision and regulation is not in place,which leads to the gradual spread of the economic crisis and sluggish development of the world economy. In this regard,this paper starts with the causes of the subprime mortgage crisis in the United States and its impact on the domestic economy to deeply analyze the impact of the subprime mortgage crisis on China’s financial regulatory system. In the end,it draws lessons from it and put forward some countermeasures for the long-term development of our financial system,so as to realize the long-term development of our financial supervision system.