本文選題：次貸危機(jī) + 金融監(jiān)管��； 參考：《沈陽師范大學(xué)》2014年碩士論文

【摘要】：2007年爆發(fā)的次貸危機(jī)，使得美國的金融市場發(fā)生了很大的變化，美國的經(jīng)濟(jì)進(jìn)入了頹廢期，同時世界的經(jīng)濟(jì)都進(jìn)行了不同程度的衰退。此次爆發(fā)的次貸危機(jī)，我們之所以稱之為次貸危機(jī)，從詞義上面解釋就是說因?yàn)橛纱渭壻J款所引起的，它開始于美國的房地產(chǎn)泡沫，進(jìn)而由房地產(chǎn)市場通過金融衍生品無限創(chuàng)新傳播到資本市場，使得原本發(fā)生于金融市場的危機(jī)擴(kuò)散到美國的實(shí)體經(jīng)濟(jì)。由于此次的危機(jī)，全球的金融市場在很大程度上都遭到了重創(chuàng)，許多大型的金融機(jī)構(gòu)都倒閉了或者被兼并。而從此次危機(jī)發(fā)生的原因來看，金融監(jiān)管機(jī)構(gòu)有不可推卸的責(zé)任，就是因?yàn)榻鹑诒O(jiān)管機(jī)構(gòu)放任不管，或者是監(jiān)管不力，才導(dǎo)致的危機(jī)，曾有專家學(xué)者說對金融市場最好的監(jiān)管就是放任不管，而次貸危機(jī)的爆發(fā)給了這種說法當(dāng)頭一棒。因此，世界各個經(jīng)濟(jì)體開始進(jìn)行采取各種措施來進(jìn)行金融監(jiān)管。 本文主要采用了比較研究法、規(guī)范分析法以及歷史分析法來對文章來分析。本文是從此次次貸危機(jī)與金融監(jiān)管之間存在的關(guān)系出發(fā)的，首先分析了金融監(jiān)管的理論基礎(chǔ)，闡述此次危機(jī)發(fā)生的原因，危機(jī)中爆發(fā)出的金融監(jiān)管的缺失。其次詳細(xì)的分析了次貸危機(jī)發(fā)生前世界主要發(fā)達(dá)國家美國、英國以及日本這三個具有代表性的國家所執(zhí)行的金融監(jiān)管體系的特點(diǎn)，當(dāng)危機(jī)發(fā)生以后，他們根據(jù)自身的情況所采取的不同的金融監(jiān)管改革，例如美國出臺多德弗蘭克法案，英國重新恢復(fù)對英格蘭銀行宏觀審慎的地位等。最后分析關(guān)于我國金融監(jiān)管的部分，首先闡述了我國金融監(jiān)管的歷史發(fā)展，，從計劃經(jīng)濟(jì)時代到現(xiàn)在的金融監(jiān)管現(xiàn)狀。由于我國金融市場是實(shí)行的是分業(yè)經(jīng)營，各個金融機(jī)構(gòu)的功能都相對比較單一，我國金融市場也需要向發(fā)達(dá)國家發(fā)展一樣往混業(yè)經(jīng)營的方向發(fā)展，所以我國金融監(jiān)管體系的走向也顯得尤為重要。本文針對我國金融監(jiān)管現(xiàn)狀以及金融監(jiān)管存在的問題，我們借鑒世界主要發(fā)達(dá)國家對金融監(jiān)管改革的重點(diǎn)對我國金融監(jiān)管改革提出了政策意見。
[Abstract]:The subprime mortgage crisis broke out in 2007, which made the financial market of the United States change a lot, the American economy entered into a period of decline, and the world economy was in different degrees of recession.The subprime mortgage crisis that broke out this time, which we call the subprime mortgage crisis, is explained from the word meaning, that is, because it started from the real estate bubble in the United States, caused by subprime loans.Then the real estate market spreads to the capital market through the unlimited innovation of financial derivatives, which makes the crisis that occurred in the financial market spread to the real economy of the United States.As a result of the crisis, financial markets around the world have been hit hard to a large extent, many large financial institutions have been closed down or merged.And the reason for this crisis is that financial regulators have the unshirkable responsibility, that is, because financial regulatory institutions let go of the crisis, or because of inadequate supervision, it is the crisis that resulted from it.Experts and scholars have said that the best regulation of financial markets is to let go, and the outbreak of the subprime crisis hit the head.Therefore, the world's economies began to take various measures to carry out financial regulation.This article mainly uses the comparative research method, the norm analysis method and the historical analysis method to analyze the article.This paper starts from the relationship between the subprime mortgage crisis and financial supervision. Firstly, it analyzes the theoretical basis of financial supervision, explains the causes of the crisis, and the lack of financial supervision that broke out in the crisis.Secondly, the characteristics of the financial supervision system implemented by the three representative countries, the United States, the United Kingdom and Japan, before the subprime mortgage crisis were analyzed in detail. When the crisis occurred,They have adopted different financial regulatory reforms based on their own circumstances, such as the introduction of the Dode Frank Act in the United States and Britain's restoration of its macro-prudential status to the Bank of England.At the end of this paper, the author analyzes the part of financial supervision in our country, and expounds the historical development of financial supervision in China, from the planned economy era to the present situation of financial supervision.As the financial market of our country is operated separately, and the functions of each financial institution are relatively single, our financial market also needs to develop in the same direction as the developed countries in the direction of mixed operation.Therefore, the direction of our financial supervision system is particularly important.In view of the present situation of financial supervision in China and the problems existing in financial supervision, we draw lessons from the emphasis of major developed countries on the reform of financial supervision and put forward some policy suggestions on the reform of financial supervision in China.
【學(xué)位授予單位】：沈陽師范大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.1

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