[20170103]IF10162_金融服务简介：“监管救济”.pdf

https:/crsreports.congress.gov Updated January 3, 2017Introduction to Financial Services: “Regulatory Relief”Congress is considering whether to provide “regulatory relief” in the area of financial services. This In Focus gives a broad overview of the policy tradeoffs inherent in relief and the forms that relief proposals could take. It does not cover specific proposals, but instead provides a framework for evaluating any proposal, whether it is targeted at banking, securities, derivatives, or insurance. CRS takes no position on specific regulatory relief proposals or the relative balance between costs and benefits achieved in the current regulatory structure. Policy Tradeoffs In determining whether to provide regulatory relief, a central question is whether an appropriate tradeoff has been struck between the benefits and costs of regulation. Benefits. Financial regulation has different objectives and potential benefits, including enhancing the safety and soundness of certain institutions; protecting consumers and investors from fraud, manipulation, and discrimination; and promoting financial stability while reducing systemic risk. A financial regulatory system that delivers a base