本文選題：次貸危機(jī) + 金融危機(jī)　； 參考：《湖南大學(xué)》2010年碩士論文

【摘要】： 發(fā)端于美國的次級(jí)抵押貸款危機(jī),經(jīng)過國際金融市場(chǎng)傳導(dǎo)機(jī)制的作用,迅速在全球范圍內(nèi)擴(kuò)散,最終讓世界各國陷入了自1929年之后最大的國際金融危機(jī)之中。面對(duì)危機(jī)中所暴露的制度缺陷,既是作為對(duì)金融危機(jī)之前舊有金融監(jiān)管法律制度的深刻檢討,也是對(duì)金融危機(jī)之后建立全新金融監(jiān)管法律制度改革的規(guī)劃,美國政府先后公布了《現(xiàn)代金融監(jiān)管體制改革藍(lán)圖》和《金融監(jiān)管改革——新基礎(chǔ)：重建金融監(jiān)管》。次級(jí)抵押貸款危機(jī)的另一“重災(zāi)區(qū)”——?dú)W盟,為彌補(bǔ)危機(jī)中所顯現(xiàn)的金融監(jiān)管漏洞和不足,則拋出了名為《歐盟金融監(jiān)管改革方案》的新世紀(jì)金融監(jiān)管改革計(jì)劃。與此同時(shí),巴塞爾銀行監(jiān)管委員會(huì)憑借其在國際金融領(lǐng)域的影響力,發(fā)布了多部應(yīng)對(duì)危機(jī)的法律性文件,借助這些規(guī)范性文件呼吁各國加強(qiáng)國際金融領(lǐng)域的監(jiān)管合作。次級(jí)抵押貸款危機(jī)的產(chǎn)生和發(fā)展,再一次有力的證明了在國際金融一體化的大背景下,金融系統(tǒng)穩(wěn)健運(yùn)行的極端重要性。加強(qiáng)對(duì)金融的監(jiān)管,防范金融危機(jī)成為世界各國關(guān)注的焦點(diǎn)。隨著中國經(jīng)濟(jì)對(duì)外開放程度不斷加大,現(xiàn)存的金融監(jiān)管模式面對(duì)金融市場(chǎng)、金融機(jī)構(gòu)互相融合,金融業(yè)務(wù)相互交叉的趨勢(shì),日益顯現(xiàn)出不能適應(yīng)市場(chǎng)發(fā)展,不能滿足金融安全需求的缺陷。如何在分析現(xiàn)存缺陷的基礎(chǔ)之上,結(jié)合自身實(shí)際情況,有效借鑒國外在該領(lǐng)域的成功經(jīng)驗(yàn)也就具有了客觀的現(xiàn)實(shí)需求。在次級(jí)抵押貸款危機(jī)推動(dòng)之下,各種針對(duì)不斷發(fā)展變化的金融市場(chǎng)的法律監(jiān)管新思維新方案紛紛涌現(xiàn),把握這些變革的趨勢(shì)和目的,并參考美國和歐盟提升金融安全的改革方法和措施,無疑對(duì)我國未來的金融法律監(jiān)管改革有著巨大的助益。
[Abstract]:The subprime mortgage crisis, which originated in the United States, spread rapidly in the whole world through the function of the international financial market transmission mechanism, and finally made the countries of the world fall into the biggest international financial crisis since 1929. In the face of the institutional defects exposed in the crisis, it is not only a profound review of the old legal system of financial supervision before the financial crisis, but also a plan for the establishment of a new legal system of financial supervision after the financial crisis. The American government has published the Blueprint of the Reform of Modern Financial Supervision system and the New Foundation of Financial Supervision Reform: rebuilding Financial Supervision. The European Union, another major disaster area of the subprime mortgage crisis, has thrown out a new century financial regulatory reform plan called the European Union's financial regulatory reform plan in order to make up for the loopholes and deficiencies in financial regulation shown in the crisis. At the same time, the Basel Committee on Banking Supervision, with its influence in the international financial field, has issued a number of legal documents to deal with the crisis. With these normative documents, countries are called upon to strengthen regulatory cooperation in the field of international finance. The emergence and development of the subprime mortgage crisis once again proves the extreme importance of the steady operation of the financial system under the background of international financial integration. Strengthening financial supervision and preventing financial crisis has become the focus of attention all over the world. As China's economic opening to the outside world continues to increase, the existing financial supervision model is facing the financial market, the financial institutions are merging with each other, and the financial business is intersecting, which is increasingly showing a tendency that it cannot adapt to the development of the market. Failure to meet financial security needs. On the basis of analyzing the existing defects and combining with the actual situation, it is necessary to draw lessons from the successful experience of foreign countries in this field effectively. Driven by the subprime mortgage crisis, a variety of new ideas and schemes for legal regulation of the ever-changing financial markets have emerged to grasp the trends and purposes of these changes. With reference to the reform methods and measures of improving financial security in the United States and the European Union, there is no doubt that it will be of great help to the future reform of financial legal supervision in China.
【學(xué)位授予單位】：湖南大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2010
【分類號(hào)】：D971.2;DD912.28

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