美國 金融危機의 經驗에 따른 金融監督法制의 形成과 時事點

Financial Crisis and change of government are the best dynamic for the reform on the financial regulatory system.In case of the U.S., sub-prime mortgage crisis and the change of government from Republican Party to Democratic Party caused financial reform through the Dodd-Frank Act. In the U.K., under the influence of global financial crisis and change of ruling party from Labour Party to Conservative Party, another financial reform is being progressed. Korea also adopted system of Financial Supervisory Commission after the experience of IMF crisis and change of government. And, considering recent global financial crisis and presidential election of 2012, this is the best time for discussion on the next reform of financial regulatory system.In addition, with recent financial crisis, protection of financial comsumer became critical issue in domestic and foreign.The U.S. established CFPB (Bureau of Consumer Financial Protection) among the FRB and the U.K. is pursuing to separate FCA (Financial Conduct Authority) from the prudential regulatory agency. This paper is aimed to find lessons from these situation relating to regulatory reform. At first, this paper will overview the U.S. reform process and evaluates its outputs.It also considers the U.K. and Australian system with financial consumer protection.Then, it will conclude with policy implications for financial regulatory reform in Korea.