美国商业银行体系的监管与变革

On the Supervision and Transformation of the American Commercial Banking System

从考察美国商业银行业监管体系的确立与演进的历史中看到,银行业的监管并非以政府管制金融资源为目的,而是以提升金融市场有效运作为目的,即如何在金融自由化与金融监管之间找到均衡。

By examination of the history of the establishment and evolution of the American commercial banking system, we can see thal the supervision of the banks in the US does not aim at what the government manages financial resources, but it aims at the enhancement of an efficient performance of the financial market, that is to say, at how to find a balance between financial freedom and financial supervision.