미국 금융규제제도의 개혁방향 - 월가 개혁 및 소비자보호법안을 중심으로 - (Financial Crisis and Responses - US Financial Reform Plan and Its Lessons -)

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초록

For the first time since the 1930s, the world economy experienced a systemic financial crisis in 2008. The causes of the global financial crisis are understood and financial reform plans are introduced around world. The global crisis has started with US financial problems. In order to response the current financial crisis, US has published Blueprint for a Modernized Financial Regulatory Structure,Financial Regulation : A Framework for Crafting and Assessing Proposals to Modernize the Outdated U.S. Financial Regulatory System, and Financial Regulatory Reform - A New Foundation: Rebuilding Financial Supervision and Regulation.
The Financial Regulatory Reform has the detailed measures for new financial regulatory and supervisory architecture of the US. The reform plan sets out five key objectives:‣ Promote robust supervision and regulation of financial firms ‣ Establish comprehensive supervision of financial markets ‣ Protect consumers and investors from financial abuse ‣ Provide the government with the tools it needs to manage financial crisis ‣ Raise international regulatory standards and improve international cooperation Upon these efforts, the US House Financial Services Committee prepared “the Wall Street Reform and Consumer Protection Act.” The House passed the bill on December 11, 2009. The Wall Street Reform and Consumer Protection Act includes; consumer protections, financial stability council, dissolution authority and ending “too big to fail,” executive compensation, investor protections, regulation of derivatives, reform of credit rating agencies, hedge fund, private equity and private pools of capital registration, and office of insurance.
This article discusses the US financial reform. It is primarily intended to analyses the content of the reform plan and to provide lessons for Korean financial regulation and supervision system

영어초록

For the first time since the 1930s, the world economy experienced a systemic financial crisis in 2008. The causes of the global financial crisis are understood and financial reform plans are introduced around world. The global crisis has started with US financial problems. In order to response the current financial crisis, US has published Blueprint for a Modernized Financial Regulatory Structure,Financial Regulation : A Framework for Crafting and Assessing Proposals to Modernize the Outdated U.S. Financial Regulatory System, and Financial Regulatory Reform - A New Foundation: Rebuilding Financial Supervision and Regulation.
The Financial Regulatory Reform has the detailed measures for new financial regulatory and supervisory architecture of the US. The reform plan sets out five key objectives:‣ Promote robust supervision and regulation of financial firms ‣ Establish comprehensive supervision of financial markets ‣ Protect consumers and investors from financial abuse ‣ Provide the government with the tools it needs to manage financial crisis ‣ Raise international regulatory standards and improve international cooperation Upon these efforts, the US House Financial Services Committee prepared “the Wall Street Reform and Consumer Protection Act.” The House passed the bill on December 11, 2009. The Wall Street Reform and Consumer Protection Act includes; consumer protections, financial stability council, dissolution authority and ending “too big to fail,” executive compensation, investor protections, regulation of derivatives, reform of credit rating agencies, hedge fund, private equity and private pools of capital registration, and office of insurance.
This article discusses the US financial reform. It is primarily intended to analyses the content of the reform plan and to provide lessons for Korean financial regulation and supervision system

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