金融监管制度发展的新趋势——消费者保护与审慎监管的分离
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上海财经大学学报 2011 年 第 13 卷第 03 期, 页码：27 - 35
摘要
参考文献
摘要
美国次级抵押贷款危机爆发后,金融消费者保护与审慎监管的关系引起了社会的广泛关注和思考。在深刻反思危机原因后,美国出台了《多德—弗兰克华尔街改革与消费者保护法》,设立独立的金融消费者保护机构,实现了金融消费者保护与审慎监管制度上的分离。与此同时,英国也颁布了金融监管改革新方案,计划于2012年前通过立法建立消费者保护与市场管理局,负责金融消费者保护和金融业务监管。加强消费者保护已经成为全球范围内金融监管制度改革和相关立法的重要内容,消费者保护与审慎监管分离并由一个机构集中承担这一职能的新格局正初见端倪,成为整合统一监管与分散监管、功能监管与机构监管等不同模式的监管新体制。
①Press Releases,Statement by FDIC Chairman Bair on Senate Passage of Regulatory Reform Bill,July 15,2010.
②Michael W.Taylor,The Roadfrom Twin Peaks?And The Way Back,http://www.insurancejournal.org/content/repository/16/Abstract%202.pdf.
③Eric J.Pan,Four Challenges to Financial Regulatory Reform http://papers.ssrn.com/sol3/papers.cf m?abstract_id=1521504.
④Ben S.Bernanke,Financial Innovation and Consumer Protection http://www.federalreserve.gov/newseven-ts/speech/bernanke20090417a.ht m.
⑤Elizabeth Warren,Unsafe at Any Rate,Democracy AJournal of Ideas,Summer,2007.
⑥Statement in Support of Legislation Creating a Consumer Financial Protection Agency.http://law.hofstra.edu/pdf/Media/consumer-law%209-28-09.pdf.
⑦Press Release,House Financial Services Committee(Feb.9,2010)http://www.house.gov/apps/list/press/financialsvcs_dem/pressCFPA_02092010.sht ml.
⑧AdamJ.Levitin,The Consumer Financial Protection Agency,2009 http://papers.ssrn.com/sol3/papers.cf m?abstract_id=1447082.
⑨Dodd Statement on Gop Proposal to Gut Consumer Protections,http://dodd.senate.gov/?q=node/5610.
10[美]布鲁姆、[美]马卡姆:《银行金融服务业务的管制案例与资料》(第二版),何美欢等译.法律出版社2006年版,第258页。
11United States Depart ment of the Treasury,“Financial Regulatory Reform:A New Foundation”June 17,2009.http://financialstability.gov/docs/regs/FinalReport_web.pdf.
12The Financial Crisis Inquiry Commission:Final Report of the National Commission on the Causes of the Fi-nancial and Economic Crisis in the United States,http://c0182732.cdn1.cloudfiles.rackspacecloud.com/fcic_final_report_full.pdf.
14Shelby Delivers Floor Statement on Consumer Protection Amendment,http://www.highbeam.com/doc/1G1-225608896.ht ml May 6,2010.
15Dodd-Frank Wall Street Reformand Consumer Protection Act,http://www.gpo.gov/fdsys/pkg/BILLS-111hr4173ENR/pdf/BILLS-111hr4173ENR.pdf.
16UK Government Paper on Reforming Financial Markets,http://www.linklaters.com/pdfs/capitalchanges.pdf.
17Her Majesty,A newapproach to financial regulation:judgement,focus and stability,26 July 2010,http://www.hm-treasury.gov.uk/d/consult_financial_regulation_condoc.pdf.
18严婷:《英国拟全面改革金融监管体系》,《第一财经日报》,2010-06-18.http://www.fdic.gov/news/news/press/2010/statement_chairman_bair07152010.ht ml。
19黄娅琴,等:《虚拟企业的定位与监管》,《江西社会科学》,2009年第6期。
20黄毅:《银行监管法律研究》,法律出版社2009年版,第95页。
②Michael W.Taylor,The Roadfrom Twin Peaks?And The Way Back,http://www.insurancejournal.org/content/repository/16/Abstract%202.pdf.
③Eric J.Pan,Four Challenges to Financial Regulatory Reform http://papers.ssrn.com/sol3/papers.cf m?abstract_id=1521504.
④Ben S.Bernanke,Financial Innovation and Consumer Protection http://www.federalreserve.gov/newseven-ts/speech/bernanke20090417a.ht m.
⑤Elizabeth Warren,Unsafe at Any Rate,Democracy AJournal of Ideas,Summer,2007.
⑥Statement in Support of Legislation Creating a Consumer Financial Protection Agency.http://law.hofstra.edu/pdf/Media/consumer-law%209-28-09.pdf.
⑦Press Release,House Financial Services Committee(Feb.9,2010)http://www.house.gov/apps/list/press/financialsvcs_dem/pressCFPA_02092010.sht ml.
⑧AdamJ.Levitin,The Consumer Financial Protection Agency,2009 http://papers.ssrn.com/sol3/papers.cf m?abstract_id=1447082.
⑨Dodd Statement on Gop Proposal to Gut Consumer Protections,http://dodd.senate.gov/?q=node/5610.
10[美]布鲁姆、[美]马卡姆:《银行金融服务业务的管制案例与资料》(第二版),何美欢等译.法律出版社2006年版,第258页。
11United States Depart ment of the Treasury,“Financial Regulatory Reform:A New Foundation”June 17,2009.http://financialstability.gov/docs/regs/FinalReport_web.pdf.
12The Financial Crisis Inquiry Commission:Final Report of the National Commission on the Causes of the Fi-nancial and Economic Crisis in the United States,http://c0182732.cdn1.cloudfiles.rackspacecloud.com/fcic_final_report_full.pdf.
14Shelby Delivers Floor Statement on Consumer Protection Amendment,http://www.highbeam.com/doc/1G1-225608896.ht ml May 6,2010.
15Dodd-Frank Wall Street Reformand Consumer Protection Act,http://www.gpo.gov/fdsys/pkg/BILLS-111hr4173ENR/pdf/BILLS-111hr4173ENR.pdf.
16UK Government Paper on Reforming Financial Markets,http://www.linklaters.com/pdfs/capitalchanges.pdf.
17Her Majesty,A newapproach to financial regulation:judgement,focus and stability,26 July 2010,http://www.hm-treasury.gov.uk/d/consult_financial_regulation_condoc.pdf.
18严婷:《英国拟全面改革金融监管体系》,《第一财经日报》,2010-06-18.http://www.fdic.gov/news/news/press/2010/statement_chairman_bair07152010.ht ml。
19黄娅琴,等:《虚拟企业的定位与监管》,《江西社会科学》,2009年第6期。
20黄毅:《银行监管法律研究》,法律出版社2009年版,第95页。
引用本文
岳彩申, 张晓东. 金融监管制度发展的新趋势——消费者保护与审慎监管的分离[J]. 上海财经大学学报, 2011, 13(3): 27–35.
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