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在“政府”与“市场”的关系的长期论争中,自由市场派占据上风并导致监管缺失,成为美国金融危机的根源。其主要表现为:金融监管法律放松,长期宽松的货币政策,对市场的自由放任和对金融衍生品的监管放纵,对投资银行等金融机构的监管失职等。对我国的启示:要正确认识和处理好“政府”与“市场”的关系,要审慎推动金融创新,防范金融衍生品风险,要加强对金融机构和住房抵押贷款的监管。
In the protracted debate over the relationship between the “government” and the “market,” free market forces prevail and regulatory oversight becomes the root cause of the U.S. financial crisis. Its main performance: the relaxation of financial supervision laws, long-term loose monetary policy, the market laissez-faire and regulatory indulgence of financial derivatives, investment banking and other financial institutions regulatory negligence. Enlightenment to our country: To correctly understand and handle the relationship between “government” and “market”, we must prudently promote financial innovation and guard against the risk of financial derivatives. We should strengthen the supervision of financial institutions and mortgage loans.