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由美国次贷危机引发的全球金融危机仍然影响着世界经济的复苏,这次危机也为我国金融风险的防范与监管提供了经验教训。面对全球金融业混业经营大潮,我国金融业分业经营、分业监管模式面临着越来越大的改革压力。本文以金融危机为视角剖析了美国次贷危机的缘由,比较了英美的不同监管模式,并分析其优缺点,指出功能型监管是混业经营下之必然选择,再以此为基础,评价了我国现阶段的金融监管体系,并提出完善之建议。
The global financial crisis triggered by the sub-prime mortgage crisis in the United States still affects the recovery of the world economy. The crisis also provides lessons for the prevention and regulation of China’s financial risks. In the face of the tide of mixed operation of the global financial industry, the financial industry in our country is under the pressure of reform in a more diversified way. This article analyzes the causes of the subprime mortgage crisis in the United States from the perspective of the financial crisis, compares the different regulatory models between the United States and the United States, and analyzes their advantages and disadvantages. It points out that functional supervision is an inevitable choice under mixed operations. Based on this, China’s current financial supervision system, and put forward suggestions for improvement.