论西方金融法规理论基础的利他主义和利己主义

消费者与金融服务业者之间的差距日益加大,会对消费者权益有所危害。各国在金融法规革新时,都将如何提升对消费者的保护列为重要课题。在这些金融法规的制定过程中,政府都会遵循一些理论作为其制定的基础。按照凯恩的理论,这些理论基础主要分成两个比较大的流派,一个是利他主义,一个是利己主义。

Altruism and Egoism on the Basis of Western Financial Regulation

Many countries have focused on the protection of consumers when financial regulations were amended with the financial integration. According to Kane(1999),when setting up these regulations,governments normally based on some theories and rationales.Overall speaking,there are two broad schools:altruistic and self interested.This article briefly introduces the altruistic theory and theories of self-interested rational,such as the agency theory,as the theoretical foundation of financial regulations.