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反思于北岩银行流动性危机,英国财政部于2010年7月颁布金融监管立法改革建议,重构本国监管体制。该建议旨在弥补英国现行监管框架中的宏观审慎监管缺位,统筹监管职能于中央银行一身,分立并制衡宏、微观审慎监管权力,以此构建由英国财政部和英格兰银行“两架马车”统领的“一行一会两局”的宏、微观审慎监管新格局。改革一旦成功,新机制将在消费者保护、金融市场建设及金融危机管理等方面发挥重要功效,从而有效防御系统性风险,遏制金融危机的爆发,维护金融稳定。
Reflecting on the liquidity crisis at Northern Rock Bank, the UK Ministry of Finance promulgated the reform proposals on financial regulatory reform in July 2010 to restructure its regulatory system. The proposal aims to make up for the lack of macroprudential supervision in the current regulatory framework in the UK, to supervise the functions of the Central Bank, to separate and balance macroeconomic and micro-prudential supervision of power, and to construct a framework consisting of the British Ministry of Finance and the Bank of England “ ”Command “ a line for a Council ”macro, micro-prudential regulation of the new pattern. Once the reform is successful, the new mechanism will play an important role in consumer protection, financial market building and financial crisis management, thus effectively preventing systemic risks, curbing the outbreak of the financial crisis and safeguarding financial stability.