成本收益法在美国金融规制影响分析中的应用与启示

The Application and Enlightenment of Cost-benefit Method in the ImpactAnalysis of Financial Regulation in the United States

成本收益法在美国金融规制影响分析中的应用较为成熟,其经验主要包括:虽无法律强制要求但金融监管机构主动采用成本收益法,运用重要性原则进行成本收益分析,制定系统的实务操作指南,在成本收益量化模型方面投入了较多的研究力量。借鉴美国金融规制影响分析中应用成本收益法的经验,我国可从明确成本收益法的应用场景、制定金融规制成本收益法的操作指南、充分利用社会公众的评议机制、加大对金融规制成本收益评估研究投入这四个方面,探索成本收益法在金融规制影响分析中的应用。

The application of cost-benefit method in the impact analysis of financial regulation in the United States is relatively mature.Its experience mainly includes:although there is no legal mandatory requirements,financial regulators actively adopt the cost-benefit approach,use the principle of importance to conduct cost-benefit analysis,formulate systematic practical operation guidelines,and invest more research strength in the cost-benefit quantitative model.Using the experience of applying cost-benefit method in the impact analysis of financial regulation in the United States for reference,China can explore the application of cost-benefit method in financial regulation impact analysis from four aspects:defining the application scenarios of cost-benefit method,formulating the operation guide of financial regulation cost-benefit method,making full use of the public commentary mechanism,and increasing the investment in the research on cost-benefit evaluation of financial regulation.