金融产品监管的国际实践及启示

此次国际金融危机显示,过快的金融产品创新和国际化发展在缺乏有效监管的情况下,可能成为引发系统性风险的导火索。危机后,各国当局将金融监管的触角延伸到金融产品层面。以产品监管为核心的功能性监管的确立,是金融监管发展过程中的一个重要里程碑,它实现了金融监管活动向金融体系最微观、最基础元素的延伸。当前,各国在金融产品监管领域的实践,对于我国开展金融产品监管具有重要的启示意义。

Recent financial product supervision international practices and their implications

The recent international financial crisis has shown that systematic risks may be triggered by hasty innovation and lack of supervision in the international development of financial products.Many countries' financial authorities have enlarged their supervision scope to financial products after the crisis.The establishment of functional regulation as the core of product supervision is an important milestone in the development process of financial regulation.It has expanded the financial regulation scope to th...