Research of Regulation about U.S. Financial Institutions

本研究的内容包括：（1）管制的意义;（2）进入管制;（3）金融管制;（4）交易管制;（5）制度失灵的解决;（6）管制者。关于（1）结算功能的重要性，与其他企业相比。应允许法规保持这一功能。基于这一理论，银行法对进入进行了规制。对于（2），笔者对制图系统的合理性进行了研究。关于第（3）点，我着重讨论了反映银行贷款组合风险的资本标准和贷款限额。特别是，我们必须密切关注巴塞尔委员会最近通过的修订框架。至于第四点，证券活动和保险活动的监管应该是值得注意的。1998年的《金融服务法》极大地改变了这一规定的方向。(5)审查了监管机构监督陷入困境和破产的金融机构的各种方式。审查金融机构客户的安全网也很重要。关于（6），美国监管机构的权威是金融集团下的讨论主题。我将在不久的将来把这次搜索的结果作为一本书出版。

This Research consists of (1) Significance of Regulation, (2) Regulation of Entry, (3) Regulation of Financial Affairs, (4) Regulation of Transaction, (5) Resolution of Institution Failures and (6) Regulators. About (1), function of settlement is important, comparing with other enterprise. The regulation should be permitted to maintain this function. Based on this theory, banking law provides the regulation of entry. As for (2), I made researches in the rationality of charting system. Regarding (3), I focus on capital standard reflecting the riskiness of bank's loan portfolio and lending limits. Particularly, we have to keep our eyes on the revised framework Basel Committee has adopted recently. As for (4), regulation of securities activities and insurance activities should be noteworthy. The direction of this regulation has dramatically changed by the Financial Services Act of 1998. (5) examines the various way in which regulatory agencies supervise troubled and failing financial institutions. It is also important to examine safety net for the customers of financial institutions. Regarding (6), the authority of regulatory agencies in U.S. is the topic of discussion under the financial conglomerate. I will publish the results of this search as a book near future.