【论文】Thoughts on china’s Financial Supervision Caused by the financial crisis.docVIP

由金融危机引发的关于我国金融监管的思考 彭佩 商学院金融系 2007级3班 20073029136 指导教师：朱卫 讲师 内容摘要：金融危机虽然已经过去了一段时间，全球各个国家也都一直致力于危机的防范和危害的最弱化尝试，但作为一次危害巨大的危机，其影响在未来一段时间内仍将顽固地存在；金融危机虽然只是虚拟经济层面的危机，但随着金融危机波及面的扩大，现在正向全球国家的实体经济渗透。作为国际上一个不容忽视的经济实体，中国的各个领域在这次危机中也受到了相当程度的冲击。其爆发的深层次经济学原理尚在探求和争论中。但是，导致危机爆发的一些基本动因已经被大家所认同，其中金融监管的缺失就成为无可争议的罪魁祸首之一。银行和各个金融领域所受到的冲击也促使了美国对金融监管做出了层次不一、深度各异的改革和创新，我国金融监管的改革也得以从中吸取许多有益的经验。本文将从美国对金融监管的改革和创新来探索中国金融监管理想之路。 关键词： 金融危机；经济渗透；金融监管；改革创新 Thoughts on china’s Financial Supervision Caused by the financial crisis Abstract ：Although the financial crisis has passed for a period of time, global countries are committed to prevent and weaken damage brought by the crisis, but as an immense crisis, the influence of it will exist stubbornly for a long time. While the financial crisis is just a crisis that stays on the virtual economic level, but with the expansion of it, it has penetrated to the entity economy of global counties. As an economic entity which should not to be neglected, China’s all fields got shocked heavily during this subprime crisis. The deep economic reason why it breakout is still in the exploration and debate. but, some of the basic reason has been widely accepted. Among them, the lack of financial supervision has become the undisputed one. Shocks on Banks and various financial fields prompted American made levels of financial regulation differ, depth of reform and innovation. So that our financial regulatory reform is to draw many beneficial experience. This paper will explore an idle path of Chinese financial regulatory from the American reform and innovation of financial regulatory. Keywords: Financial crisis; economic penetration; financial regulation; reform and innovation 目 录 中文摘要 英文摘要 一、金融危机与金融监管的内在联系 1 (一)金融监管不力是金融危机发生的原因之一 1 （二）克服金融危机，要加强金融监管 2 （三）金融危机过后，放松金融监管 2 二、美国金融监管的问题、改革和启示 3 (一)美国金融监管的问题所在 3 (二)美国金融监管的改革措施 4 （三）美国的改革对我国金融监管的启示 5 三、后危机时代我国金融监管的举措 6 （一）金融危机的冲击下我国金融监管所暴露的问题 6 （二）我国金融监管改革的具体措施 8 结束语 ………………………………………………………………………………11 参考文献 ………………………