论文部分内容阅读
美国次级贷款危机为金融创新领域法律制度防范和控制风险功能研究提供了实证材料,金融创新领域法律制度没能有效发挥风险防范和控股功能的根本原因,在于现有法律责任制度安排不合理。完善金融创新领域法律责任制度应包括:重回适度监管的立场,引入风险、收益与责任对称的理念,建立行为—风险—责任的模式,建立金融创新产品加重责任制度,扩大连带责任的适用范围。
The subprime mortgage crisis in the United States provides an empirical material for the study of the legal system of risk prevention and control in the field of financial innovation. The fundamental reason why the legal system in the field of financial innovation fails to effectively play the role of risk prevention and control lies in the fact that the current arrangement of legal liability system is unreasonable. Improve the legal liability system in the field of financial innovation should include: return to a moderate regulatory position, the introduction of the concept of risk, return and responsibility symmetry, the establishment of behavior - risk - responsibility model, the establishment of innovative financial products to increase liability system, expand the scope of joint and several liability .