20世纪90年代,英国经济学家迈克尔·泰勒(Micheal Taylor)提出了金融监管的“双峰”理论(Twin-peaks),认为金融监管应该有两个并行的目标:一个是审慎监管;另一个是金融消费者保护。前者主要为了维护金融稳定,防止金融市场爆发系统性风险;后者则是通过监管金融机构的行为,保护金融消费者不受欺诈和其他不 In the 1990s, the British economist Micheal Taylor proposed “Twin-peaks” in financial regulation. He believes that financial regulation should have two parallel goals: one is prudential supervision; The other is financial consumer protection. The former mainly aims to maintain financial stability and prevent systemic risks from arising in financial markets. The latter, through monitoring the behavior of financial institutions, protects financial consumers from fraud and others