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金融监管的目标是为了维护金融体系的稳定,而金融危机的爆发不仅是金融体系内部矛盾、金融与经济体系矛盾的一种爆发,更是对当时金融监管的有效性提出的质疑。美国次级贷款市场引发的这场次贷危机同样也是如此。危机爆发后,国际金融监管组织针对危机中爆发的问题展开了大刀阔斧的变革,其中以巴塞尔银行监管委员会对其倡导的巴塞尔资本系列协议的改进引人关注。1988年推出的巴塞尔资本协议(以下简称“巴塞尔Ⅰ”)和2004年推出的巴塞尔新资本协议(以下简称“巴塞尔
The goal of financial supervision is to maintain the stability of the financial system. The outbreak of the financial crisis is not only an internal contradiction within the financial system but also an outbreak of the contradiction between the financial and economic systems. It even challenges the validity of financial regulation at that time. The same is true of the subprime crisis triggered by the U.S. subprime mortgage market. After the crisis broke out, the international financial regulatory organizations launched a drastic change in response to the problems that broke out in the crisis. Among them, the Basel Committee on Banking Supervision raised concerns about the improvement of the Basel Capital Series agreement that it advocated. The Basel Capital Accord (1988) and the Basel New Capital Accord (hereinafter referred to as ”Basel"), introduced in 1988,