基于巴塞尔协议Ⅲ视角的美国金融监管改革探析

金融危机的全面爆发,加快了美国金融监管改革的进程,金融监管改革法案2010年正式签署。面对严峻的国际环境,巴塞尔银行监管委员会出台了新的法案—巴塞尔协议Ⅲ。这表明美国乃至国际社会对于资本监管和流动性监管的标准全面提高,监管范围的覆盖范围更加全面。基于此,我国应该汲取金融危机的教训,借鉴法案中体现的监管经验,结合新巴塞尔协议的规定,从加强资本补充和资本约束,提高金融市场创新力,促进监管机构之间的协调等方面完善我国金融监管框架。

On Financial Regulatory Reform of the USA from the Perspective of the Basel Ⅲ

Financial crisis accelerated the financial supervision and management reform process of the USA and led to the signing of financial regulatory reform bill in 2010.Facing the grim international situation,the Basel Committee on Banking Supervision introduced the new legislation-Basel Ⅲ which showed the will of the USA and the international community to improve the supervisory standards of the capital and mobility.They also aimed to make the coverage of the supervisory more comprehensive.Therefore,we should learn from the lesson of financial crisis and the new experience from the bill by following the provisions to improve the financial regulatory framework of China： strengthen the capital and capital constraint,improving financial market innovation,promoting the coordination in financial institutions.