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当前愈演愈烈的金融危机正在引起社会各界的反思。从评估行业角度来说,评估特别是抵押评估历来与金融危机有着千丝万缕的联系。在本轮金融危机中,由于此次危机产生的复杂性和多因素,评估并未被指责为主要祸首。但20世纪80年代美国储蓄和贷款危机中,评估却不折不扣地被视为主要原因之一,并由此开始了美国对金融评估的管制时代。本文叙述了美国金融评估管理体制的建立背景和主要内容,对在当前经济形势下加强金融评估管理的重要性,特别是构建符合中国国情的我国金融评估管理体制具有一定借鉴意义。
The current escalating financial crisis is arousing the reflection of all walks of life. Assessments from the industry point of view, assessment, especially mortgage assessment has always been inextricably linked with the financial crisis. In this round of financial crisis, due to the complexity and many factors resulting from the crisis, the assessment has not been criticized as the main culprit. However, the assessment of the U.S. savings and loan crisis in the 1980s was regarded as one of the major reasons without any compromise and thus began the era of regulatory control over the United States. This article describes the background and main content of the establishment of the financial evaluation management system in the United States and provides some reference to strengthen the importance of financial evaluation management in the current economic situation, especially the construction of China’s financial evaluation management system in line with China’s national conditions.