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2008年金融危机后美国、英国和欧盟金融监管体制的改革经验
Source: x.cnki.net
Article summary:
1. After the 2008 financial crisis, the US, UK and EU began to restructure their regulatory systems, re-divide powers of regulatory agencies and strengthen central bank's regulatory functions.
2. The US passed the Dodd-Frank Wall Street Reform and Consumer Protection Act in 2010 which expanded the Fed's supervisory functions, established FSOC to monitor systemic risk and abolished OTS.
3. The UK adopted a "three-head regulatory model" before the crisis with Bank of England, Financial Services Authority (FSA) and UK Treasury jointly responsible for financial regulation.
Article analysis:
The article provides an overview of the reform of financial regulation in the United States, United Kingdom and European Union after the 2008 financial crisis. It is generally well written and provides a comprehensive overview of the reforms that have been implemented in each region. However, there are some potential biases that should be noted.
First, there is a lack of discussion about potential risks associated with these reforms. While it is true that these reforms have been implemented to improve oversight and reduce systemic risk, it is important to note that there may be unintended consequences or risks associated with them as well. For example, increased regulation could lead to reduced competition in certain markets or higher costs for consumers due to increased compliance requirements for businesses.
Second, there is also a lack of discussion about alternative approaches that could have been taken instead of implementing these reforms. While it may be true that these reforms were necessary at the time they were implemented, it would be useful to explore other possible solutions that could have been pursued instead or in addition to these reforms.
Finally, while this article does provide an overview of how each region has responded to the 2008 financial crisis through reform efforts, it does not provide any insight into how effective these reforms have been in achieving their intended goals or reducing systemic risk overall. This information would be useful in order to assess whether or not these reforms have had a positive impact on global financial stability since their implementation.