摘要
美国总结这场金融危机而出台的金融改革方案,是一部金融规制与监管制度的改革方案,解读该方案宜从金融法理念入手。规制是通过制定和实施规则而实现对经济生活的调整和管理,监管是监管机构对监管对象及其活动是否合规所进行的监察、督促、组织、协调、控制等行为。金融规制与监管的理念根植于市场失灵和金融业的特殊性。金融管制和监管的目标主要是防范系统风险,保护投资者、存款人、被保险人,提高效率。方案再次和反复证明了规制与监管是金融法的品性。
The U. S. Financial Reform Plan emerged from the conclusion of the financial crisis is a reform plan of financial regulation and supervision system, the reading of which can be properly done through the rationales of financial law. Regulation is the adjustment and administration of economic affairs by formulation and implementation of rules, supervision is the surveillance, urging, organization, moderation and control exercised by supervisors upon supervised entities and their activities. The rationales of financial regulation and supervision are rooted in the market failure and unique features of finance. The objectives of financial regulation and supervision are prevention of systemic risks, protection of investors, depositor and insuranee policy holders, and promotion of efficiency. The U.S. Plan reaffirmed the nature of financial law lies in regulation and supervision.
出处
《河北法学》
CSSCI
北大核心
2009年第11期13-23,共11页
Hebei Law Science
基金
2008年国家社会科学基金重点项目:<防范和化解国际金融风险和危机的制度建构研究>(08AJY013)
中华人民共和国司法部2007年国家法治和法学理论研究项目:<金融风险防范法律制度研究--以我国金融业对外开放为重心>(07SFB2046)的阶段性研究成果
关键词
金融改革方案
规制与监管
金融法品性
Financial Reform Plan
regulation and supervision
nature of financial law
