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对于金融集团的并表监管,美国形成了以美联储为核心的伞形监管模式。美联储依据《1956年银行控股公司法》和《2008年银行控股公司和外国银行的并表监管》构建起以监管分组、信息知悉、监管评估、监管协调为内容的银行控股公司并表监管制度。美联储依据《2010年华尔街改革与消费者保护法》与《2012年大型复杂金融机构并表监管框架》构建起以增强大型复杂金融机构经营韧性和减少其经营失败可能性为目标的大型复杂金融机构并表监管制度。美国并表监管制度中的宏观审慎理念、监管分组制度、跨部门监管协调制度、减轻被监管者信息负担的措施值得我国借鉴。
For the consolidated supervision of the financial conglomerates, the United States formed an umbrella regulatory model centered on the Federal Reserve. The Federal Reserve established a consolidated supervision system for bank holding companies with regulatory grouping, information disclosure, regulatory assessment and regulatory coordination as the basis for the Bank Holding Company Law of 1956 and the “2008 Bank Holding Company and Supervision of Foreign Banks”. Based on the 2010 Wall Street Reform and Consumer Protection Law and the 2012 Framework for Consolidation of Large and Complicated Financial Institutions, the Federal Reserve established a large and complex financial institution with the goal of enhancing the operational resilience of large and complex financial institutions and reducing the probability of their failure. Table supervision system. The macroprudential idea, regulatory grouping system, cross-sectoral supervision and coordination system in the United States consolidated supervision system and the measures to reduce the information burden on supervisors deserve our country’s reference.