导读: 这是一篇美国留学生写的essay范文（金融学方向），讨论了美国的金融监管制度。英美法系国家根据判例法法律的基础，并且运用判例解决金融监管过程中的法律问题，进而可以确保金融市场的发展能够随着时代的发展而变化。美国完善的金融监管规则为金融的发展提供了稳定的法律环境，促进了美国金融业的发展。
Essay题目：Financial regulation in the United States
From different angles, financial regulation has different meanings. The narrow sense of financial regulation is worth to ensure the stability of financial markets, prevent and control financial risks, and to implement the activities of these rules. Financial regulation in the broad sense is much more extensive. It has three meanings: first, the rules of financial regulation, which are similar to those in the narrow sense of financial regulation; second, it has financial subjects, such as financial institutions, financial products and financial regulatory departments. Finally, the supervision mechanism of finance, that is, the supervision of the subject and object of finance to ensure the effective implementation of the regulation. The narrow sense of financial regulation is isolated and static, while the broad sense of financial regulation contains dynamics and changes.
从不同角度看，金融监管具有不同的含义。 狭隘的金融监管意识值得确保金融市场的稳定，防范和控制金融风险，以及实施这些规则的活动。广义上的金融监管要广泛得多。它有三个含义：第一，金融监管规则，与狭义的金融监管相似; 第二，它有金融科目，如金融机构，金融产品和金融监管部门。最后，金融监管机制，即对金融主体和客体的监督，确保监管的有效实施。狭隘的金融监管意识是孤立和静态的，而广泛的金融监管意识则包含动态和变化。
The United States has a very sound legal system and belongs to the Anglo-American legal system. Based on the legal basis of case law, the countries in the common law system use cases to solve legal problems in the process of financial supervision, so as to ensure that the development of financial market can change with the development of The Times. Perfect financial regulation in the United States provides a stable legal environment for the development of finance and promotes the development of American finance. But sound financial regulation does not mean that America's system is perfect. The subprime crisis of 2008 fully exposed the problems in American financial regulation. But the strength of American financial regulation lies in its adaptability and responsiveness. Thus, after the subprime crisis in 2008, the United States emerged from the shadow of the crisis relatively quickly, and the financial market began to prosper again.
The restriction and balance of power is deeply rooted in the United States. At present, the American authorities have adopted the dual-line and multi-bull supervision model for financial market regulation. That is, the federal government and the state government regulate the financial market in two lines, and are supervised by several specific regulations at the same time. "Long" regulators include the federal reserve, the monetary authority, the securities and exchange commission and more. The model of dual line supervision and multi-line supervision is different from each other in terms of the regulation. Before the subprime crisis in 2008, the financial supervision model of American two-line long made great achievements, but the loophole of this supervision model was clearly revealed in the subprime crisis. Once systemic risk emerges in the financial market, no institution can effectively deal with the risk due to the lack of unified authority to supervise, resulting in the deepening of the subprime mortgage crisis. Therefore, the model of dual - line multi - bull has many problems, such as low efficiency and fuzzy regulation.
Financial supervision mechanism is a dynamic supervision activity. The American financial regulatory mechanism has the characteristics of benign dynamic and can reflect on the crisis. Subprime financial crisis in 2008, for example, the high pay of senior financial officials exposed the shortcomings of us financial regulation mechanism, before the crisis, the world's three major rating agencies of the United States subprime problem for early warning, but because of financial regulation is very complex, and due to the complexity of interest relations, led to the emergence of
