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从法律视角分析,中国的区域性金融危机是在金融计划管理体制向市场化转轨的过程中,由于严格的金融管制和法律体系的不完善,使得民间金融长期游离于监管之外,风险累加导致金融秩序崩溃所致;而金融自由化改革所引发的监管权力异化、监管漏洞,以及金融法律法规的纵容与监管体制的固有弊端,则是酿成美国金融危机的主要原因。中国在制定防范金融危机的法律时,不仅需要吸取美国的经验教训,更应当结合本国的具体情况对症下药。
From a legal point of view, China’s regional financial crisis is caused by the long-term non-government finance being kept away from regulation due to the strict financial regulation and the imperfect legal system during the transition from financial planning management system to marketization. The collapse of the financial order caused by the financial crisis; the alienation of regulatory power caused by the liberalization of finance, regulatory loopholes, and the inherent disadvantages of the connivance and regulatory system of financial laws and regulations are the main causes of the U.S. financial crisis. When formulating laws to guard against the financial crisis, China not only needs to learn the lessons of the United States, but should also make the best use of the specific conditions in its own country.