Paul Lachine

“处方”金融产品

发自新德里——2007-2010年金融危机的其中一个正面效应就是让我们认识到:金融产品可以像药品一样复杂而危险。也正是这种认识引发了世界各国对于新监管法规以及监管体制的创新及实验。

印度政府宣布成立了金融稳定和发展委员会,来协调各监管部门之间的合作并进行宏观监管。而最近在美国颁布的“Dodd-Frank华尔街改革和消费者保护法案”以及多部监控金融产品安全性的新提案都将改变整个金融架构。

一些新理念的拥护者会将金融产品比作药品。有人说如果2007年时美国能有一个与食品药品管理局(FDA)类似的金融产品安全委员会的话,那些“钓鱼式”的抵押贷款(利率可调的抵押贷款)就不会泛滥市场,并使数百万家庭被卷入掠夺性的信用漩涡中。

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