论金融危机对完善我国法律对策的启示

美国法律对美联储宽松货币政策规范不力、金融信贷管制法律松弛、金融监管体系存在法律漏洞、法律长期缺乏对金融技术与制度创新保持协调发展的规范等是酿成金融危机的关键因素。国际金融危机启示我们，必须坚持依法推进市场调节与政府调控相结合，强化和完善金融监管措施，强化对金融创新风险的严密防控，力求防范金融风险的法律监管机制全覆盖，而且应不断提升法律应对国际金融危机保增长的能力。

Legislative Perfection in China under Financial Crisis

The crucial factors that cause the financial crisis are ineffective regulative control of Federal Reserve on monetary policy, loose financial credit control, legislative loopholes of financial inspection system and lack of integrated development between financial techniques and system innovation. From the cross - nation financial crisis, it is learned that market adjustment and government regulation should be combined together, financial inspection measures should be enhanced and improved, and financial innovation risk should be put in the top priority concern. The purpose of doing so is to avoid financial risk through sound legislative mechanism to continuously upgrade the ability of legislation to counter international financial crisis.