本研究旨在探討2008年次貸危機爆發以來,各國政府所採取的許多積極改革措施,包括修訂法案、設立專門機構及建立系統性風險等一系列政策,對金融機構和金融市場施以援手,以避免全球經濟因次貸危機陷入衰退。因此,本研究目的乃在透過瞭解美國金融監管的演變與次貸危機內在關係,針對金融危機與金融監管的歷史及其相互關係予以深入分析次貸危機後對國際金融監管改革的影響,透過這次次貸危機衝擊的反思,由「規則監管」逐漸向「原則監管」演進,強化系統性風險防範的重要性。在分業經營、分業監管體系下,應積極建立總體審慎監管架構,加強對系統性風險的監管。同時,建立實體化、法治化的監管協調機關,為最終實現統一監管奠定基礎,最後提出次貸危機後國際金融監管的改革對我國金融監管的啟示。
This study seeks to explore the positive reform measures adopted by the governments of nations since the outbreak of the sub-prime mortgage crisis. This includes bill amendments, the establishment of special agencies and systematic policies, plus a series of other policies intended to help financial institutions and financial markets. These are also meant to avoid the global economic community from falling into a recession due to the sub-prime mortgage crisis. Hence, the purpose of this study is to conduct an in-depth analysis through insights gained from the intrinsic relationship between the evolution of financial regulations and the sub-prime mortgage crisis. This will be done in order to understand the impact of the reforms on international financial regulations as well as the impact of the sub-prime-mortgage crisis on Taiwan’s financial regulations’ related reforms following the sub-prime mortgage crisis. Finally, the revelation of the international regulations’ related forms on Taiwan’s own financial regulations following the subprime mortgage crisis are proposed.