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1、Chapter Twenty-One,Financial System Regulation in the U.S.,Learning objectives,After studying this chapter you should be able to: 1. Define the meaning of financial system regulation 2. Tell the principal reasons for regulating financial systems given by American financial experts 3. Give a brief in
2、troduction to the chief regulatory agencies of the U.S. financial system,Notes,I. New Words 1. regulatory a. 管制的，监管的，e.g.agency 管制机构，监管机构 2. abuse n. 滥用（包括权力，规则的滥用） 3. widespread a. 普遍的，分布广的 4. regulations n. 条例e.g. Regulation Q：Q项条例 5. panic n.（尤其金融方面的）大恐慌（financial金融大恐慌） 6. charter n. 特许状，许可证 7. s
3、tringent a. 严格的，严厉的,Notes,8. upstanding a. 诚实的，正直的 9. unbriddled a. 无约束的，激烈的，e.g. competition 10. mandatory a. 强制性的，命令的 11. books n. 文中当“账册”讲 12. impeccable a. 完美的，无懈可击的 13. credentials n. 证书a letter or other written proof of a persons position, trustworthiness, etc.,Notes,II. Useful and Idiomatic E
4、xpressions 1. to crop up发生=to happen 2. be subject to. 受到的支配或制约 3. be associated with. 与有联系的 4. to pay off 付清欠款，偿清所欠的款项，使人得益 5. to make contributions into a fund 向基金注资 6. a certain fraction of 文中当“一定比例的”讲 7. be responsible for. 对负责 8. by means of. 用方法 9. to impose restrictions on. 对进行限制,Notes,III. K
5、ey Terms 1. venture n. 企业 2. deposit insurance 存款保险 3. Federal Deposit Insurance Corporation 联邦存款保险公司 4. the Savings Association Insurance Fund储蓄协会保险基金 5. interest and principal 利息与本金 6. regulation n. 依法管理，监管,Main Text,Definition of Financial System Regulation From legal point of view, “regulation”
6、means directing and controlling by rule or statute or by restrictions or principles. When discussing financial system regulation we refer to regulation of not only financial markets but also financial institutions by the relative government regulatory agencies based on rules and laws. According to s
7、ome financial experts view, the U.S. financial system is among the most heavily regulated sectors of the American economy despite many problems which have cropped up both in the past and in recent years.,Main Text,Reasons for Regulating Financial System First, for the purpose of increasing informati
8、on available to investors. Second, for the purpose of ensuring the soundness of financial system or financial intermediaries in the financial system.,Main Text,Principal Regulatory Agencies for the U.S. Financial System 1. Securities and Exchange Commission (SEC) 2. Commodities Futures Trading Commi
9、ssion (CFTC) 3. Office of the Comptroller of the Currency 4. National Credit Union Administration (NCUA) 5. Federal Deposit Insurance Corporation (FDIC) 6. Federal Reserve System (the Fed) 7. Office of Thrift Supervision,Main Text,Focus of U.S. Financial Regulation American regulators almost regulat
10、e all the important aspects of the financial sector. But the emphasis is put esp. on the banking industry, insurance industry, securities markets and mutual fund industry.,1. What is meant by “regulation”? How do you define “financial regulation”? 2. Can you tell all the reasons for regulating financial system? 3. How many regulatory agencies are there in the U.S. for regulating financial system? 4. Explain briefly the ways in which American regulatory agencies regulate U.S. financial system.,Questions for Chapter 21,This is the end of Chapter 21,Thank you for your attention,