由美国次贷危机引发的金融风暴正向全球蔓延,国际金融市场经受着严峻考验。造成此次金融危机的原因是多方面的,其中最重要的一环是因为美国的金融监管处于严重缺位的状态。反思美国金融监管体系的不足,找出一条促进我国金融机构健康发展的道路,是我国监管机构当前的重要任务。 The financial turmoil triggered by the U.S. subprime mortgage crisis is spreading worldwide and the international financial market is under severe tests. The reasons for the financial crisis are manifold. One of the most important aspects is the serious lack of financial supervision in the United States. It is an important task for regulators in our country to reflect on the shortcomings of the U.S. financial regulatory system and find a way to promote the healthy development of China’s financial institutions.