美国次贷危机给中国金融监管带来的启示

美国次贷危机充分暴露出华尔街自上而下对利润追逐的贪婪以及对风险控制的漠视，美国金融监管机构在此次危机中扮演着不甚光彩的角色，其监管缺失成为人们口诛笔伐的对象。美国次贷危机告诉我们，在金融自由化、国际化、网络化的时代，现代银行业发展变化给金融监管带来了严峻的挑战，金融监管是构建金融安全网必不可少的一个环节。中国金融监管机构应以美国次贷危机作为前车之鉴，警钟长鸣，从中汲取经验和教训，避免重蹈覆辙。

US sub-loan Crisis Brought about by China's Financial Supervision Inspiration

The United States has fully exposed the sub-loan crisis,top-down Wall Street greed to pursue profit,as well as disregard for risk control,the U.S.financial regulatory agencies in the crisis do not play an honorable role,its regulatory shortcomings become the target of criticism.The United States sub-loan crisis told us that in the financial liberalization,internationalization,networking time,modern developments and changes in the banking sector to the financial supervision has posed a serious challenge,fina...