【摘要】：本文從次貸危機(jī)后美國《Dodd——Frank法案》的最新立法入手,研究了美國住房抵押貸款消費(fèi)者保護(hù)的最新進(jìn)展,從中找出對(duì)我國立法的借鑒意義。本文分四部分組成。 第一部分,介紹了次貸危機(jī)發(fā)生演變的過程,對(duì)次貸危機(jī)的產(chǎn)生原因進(jìn)行了初步歸納；通過對(duì)次貸危機(jī)本身的辨識(shí),結(jié)合次貸危機(jī)之前的住房抵押貸款消費(fèi)者保護(hù)立法,提出原有立法面臨的問題和挑戰(zhàn),從而引出以下的內(nèi)容。 第二部分,介紹了美國住房抵押貸款改革的最新情況,先介紹了立法的宏觀目標(biāo)(明確的宏觀目標(biāo)是本次立法的特點(diǎn)之一)；然后介紹了次貸危機(jī)爆發(fā)后的立法準(zhǔn)備,包括主要的研究成果；接下來介紹了《Dodd——Frank法案》的主要內(nèi)容,尤其是深化了對(duì)消費(fèi)者的保護(hù)；最后澄清了最新立法對(duì)房利美、房地美的態(tài)度——肯定兩房的作用,從而說明應(yīng)當(dāng)改革的是彌補(bǔ)原先的監(jiān)管空白——次貸營銷中不公、不實(shí)、過度的業(yè)務(wù)領(lǐng)域。 第三部分對(duì)《Dodd——Frank法案》進(jìn)行了幾方面的分析,關(guān)于宏觀目標(biāo)和微觀目標(biāo)；關(guān)于深化了的消費(fèi)者定義；以及專門設(shè)立消費(fèi)者服務(wù)機(jī)構(gòu)。 第四部分對(duì)《Dodd——Frank法案》消費(fèi)者保護(hù)立法進(jìn)行了評(píng)價(jià),其特點(diǎn)包括監(jiān)管目標(biāo)明確,制度深入詳細(xì)直達(dá)金融產(chǎn)品的核心,也就質(zhì)疑該立法的意見進(jìn)行了闡述；最后歸納了其中的借鑒意義,并提出對(duì)我國未來立法的建議。
[Abstract]:This paper begins with the latest legislation of the Dodd--Frank Act in the United States after the subprime mortgage crisis, and studies the latest progress in the protection of American housing mortgage consumers, and finds out the significance of reference to the legislation of our country. This paper is composed of four parts. The first part introduces the process of the development of the subprime mortgage crisis, and summarizes the causes of the sub-prime mortgage crisis. Through the identification of the sub-prime mortgage crisis itself, combined with the housing mortgage consumer protection legislation before the sub-prime mortgage crisis, the problems and challenges faced by the original legislation are put forward, which leads to the following contents. The second part introduces the latest situation of the housing mortgage reform in the United States, first introduces the macro objectives of the legislation (one of the characteristics of this legislation is the clear macro objectives); Then it introduces the legislative preparation after the outbreak of the sub-prime mortgage crisis, including the main research results, and then introduces the main contents of the "Dodd--Frank Act", especially the deepening of consumer protection; Finally, it clarifies the attitude of the latest legislation to Fannie Mae and Freddie Mac-affirming the role of Fannie and Freddie, thus suggesting that what should be reformed is to fill the original regulatory gap-unfair, untrue, and excessive areas of business in subprime marketing. The third part has carried on several aspects analysis to the "Dodd--Frank Act", regarding the macroscopic goal and the microscopic goal; regarding the deepened consumer definition; and specially establishes the consumer service organization. The fourth part of the "Dodd--Frank Act" consumer protection legislation has been evaluated, its characteristics include clear regulatory objectives, the system goes to the core of financial products in detail, and the views of questioning the legislation are expounded. Finally, it summarizes the significance of reference, and puts forward some suggestions for future legislation of our country.
【學(xué)位授予單位】：復(fù)旦大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：D971.2;DD912.28;DD913

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