【摘要】 "新政"时期美国联邦政府对银行业的监管是1929—1933年大萧条的产物,大萧条中美国银行业的危机局面,促使联邦政府不得不对银行业进行了革命性规制。为防范银行系统性风险,新的银行法规定商业银行和投资银行业务必须分离,竖起了银证之间的"防火墙";还规定建立联邦存款保险公司,给商业银行系统的存款提供安全保障。"新政"时期的银行业监管政策及其实施带来了美国银行业的结构性嬗变,也奠定了此后半个多世纪美国银行监管体系的基础。更多还原

【Abstract】 The federal banking regulation was an essential component of the financial regulation by the American federal government during the New Deal period.Both the massive banking failures and the Pecora Investigation accelerated the banking regulation legislation in the early 1930s.The Banking Act of 1933,also known as the Glass-Steagall Act,provided for the separation of commercial and investment banking.Hence the "Chinese Wall" was erected in the banking industry.This act was a revolutionary measure taken by the federal government,helping to prevent securities speculation on the one hand,and to limit the competitive capacity of the banking as a whole on the other.更多还原