中文摘要：

总结既有理论提出一种衡量金融监管有效性的新的方法——金融监管指数分析方法,并基于这种方法对美国金融监管的有效性进行总体的衡量和判断。研究认为,2000—2009年,美国的金融监管指数呈现持续下降的趋势,说明过去十年美国的金融监管质量是逐步下降的,美国的金融监管已经不能适应其金融业的发展。在以后的发展过程中,美国应该密切关注其金融监管指数的变化,防范金融风险,同时注意保持金融监管与金融业发展的匹配性,以及金融业效率性与稳定性的均衡。

英文摘要：

By summarizing existing theories,this article presents a new method of measuring the effectiveness of financial supervision——financial regulatory index.It measures and evaluates US effectiveness of financial supervision.The study suggests that there was a continued downward trend in US financial regulatory index from 2000 to 2009.This indicates that the quality of financial supervision was gradually declining in United States over the past decade,and financial supervision was unable to keep pace with the development of financial industry.In later development process,United States should pay close attention to change in financial regulatory index,prevent financial risks,maintain the matching of financial supervision and the development of financial industry,and keep a balance between financial efficiency and stability.