New framework of financial regulatory reform the management mode英國金融監管改革新架構的管理模式
06-11, 2014
In 2010 June, the British set up by ICB, a aloft axial coffer arch economist Weekes (John Vickers) who, in adjustment to fundamentally break the cyberbanking "too big to fail" moral hazard problem. After a continued gestation, ICB in September 12, 2011, submitted a final address on the ameliorate of the cyberbanking system, the reforms of the backward in 2019 abounding implementation.
序言
從各國金融監管體制的實踐看，大致可以分為四種模式：分業監管、傘式監管、雙峰監管、統一監管，這是各國長期歷史發展、政治經濟體制變革和金融業發展的演進結果。全球金融危機對原教旨自由市場經濟理論的信奉者來說無疑是一次沉重打擊，各國監管機構無疑將吸取教訓，紛紛摒棄市場原教旨主義，放棄無為監管的理念，實施更加嚴格的監管。同時后危機時代各國需要在“市場”與“監管”之間努力尋求動態平衡的路徑，注意把握從嚴監管的“度”，避免從放任市場轉變成過度監管，從一個極端走向另一個極端。
The Absolute Commission on cyberbanking according to a abstraction of British banking, because the anatomy and non anatomy of two kinds of methods of the British cyberbanking industry reform, and attempted to arise the British coffer competition. The ameliorate measures in adjustment to abate systemic accident in banking, accident assay of altered admeasurement and activity by banks; moral hazard abate banking; abate the accessible furnishings of bootless companies and banks; ensure able chump service, advance the cyberbanking industry (including retail and investment banking) competition, blockage ample banks because of "too big to fail" and accretion aggressive advantage.
金融監管制度改革的大幕悄然拉開。美歐金融監管改革計劃涉及金融機構、金融市場、金融產品、消費者保護、危機應對以及國際監管合作等諸多領域。英國金融業有著自律監管和分業監管的傳統，但自1986年“金融大爆炸”后開始逐步向統一監管轉變。1997年5月英國成立了金融服務局，作為英國唯一的監管機構負責綜合性監管，并具有較高的獨立性。金融業是英國的支柱性產業，2007年全球金融危機的沖擊，使一向以穩健性著稱的英國金融體系經受了沉重的壓力和巨大的考驗。英國金融監管當局重新審視建立于1997年的“三駕馬車”式金融監管體系，改革以往對金融機構尤其是銀行“輕度監管”的做法，大力推進金融監管改革，重新搭建金融監管新架構，以實現宏觀審慎監管與微觀審慎監管職能的有效結合。
The new framework three, Britain's cyberbanking adjustment adjustment
(1) the macro prudential administration and micro prudential administration combined
The Coffer of England is amenable for macro prudential administration and micro prudential administration function, which is accessory to the appropriate and authentic accretion and acknowledgment information, abstain multi authoritative inefficiencies and oversight, advance the ability of supervision, strengthen the supervision, appropriate boldness systemic cyberbanking risk.#p#分頁標題#e#
The cyberbanking activity lath will be amenable for the "macro prudential supervision", including the identification and apprehension adjustment accident (Systemic Risks), and can yield activity if necessary, affair instructions or recommendations to the prudential adjustment authority. Adjustment assay of the cyberbanking activity lath will advice PRA acumen of specific types of institutions and departments.
Prudential Adjustment Ascendancy for alone institutions of cyberbanking supervision, advance the assurance and bloom administration institutions, advance adherence and advisable operation of the cyberbanking system, ensure that regulators are not in the business of systemic adherence brought about abrogating effects, will any institutions bankrupt down annihilative furnishings acquired to a minimum. Prudential Administration Agency as a cyberbanking activity lath of the macro Prudential appraisal provides authoritative information.
Prudential Administration Agency administration accoutrement added than 2000 cyberbanking institutions, including the Coffer of England and added LAN accumulator apparatus (including apartment acclaim abutment and acclaim unions), agent (or investment bank), allowance companies, and investment aggregation a few specified. In the administration of the object, with the assets of the cyberbanking area the a lot of massive scale. At present, the British cyberbanking assets in about 11 abundance pounds, is 9 times Britain abundant GDP. The calibration of British allowance currently ranked the aboriginal in Europe, third in the world, asset admeasurement of about 1.4 abundance pounds, the non activity insurance.
(2) the deepening of cyberbanking customer protection
The cyberbanking behavior in cyberbanking ameliorate book was originally accepted as the customer aegis and Markets Ascendancy (CPMA), after renamed the cyberbanking behavior of the Bureau, amenable for the administration of all cyberbanking casework and cyberbanking customer protection, absolute cyberbanking behavior is added accessory to business conduct administration agency all cyberbanking enterprises to consumers and the interests of the participants to first.
1 babyminding structure
Behavioral Accounts Agency will yield the anatomy of a bound accountability company's operation, the cyberbanking casework industry funding. Its lath of admiral in over bisected of non controlling admiral will be appointed by the Ministry of finance, the cyberbanking activity lath of the controlling ability in the cyberbanking behavior will depend on the job board.
2 authoritative objectives
The capital ambition of the government will accord the cyberbanking behavior of appointment by the law is the aegis of cyberbanking consumers and ensure the bloom of the cyberbanking market, in adjustment to ensure aplomb in the cyberbanking casework and the cyberbanking markets. The ambition will acquiesce it to yield the appropriate adjustment in assorted aspects of cyberbanking regulation. The capital ambition in the achievement of the above, accede and antithesis as the next time you wish to target: added authoritative ambition coordination, acceptable authoritative attempt and accompanying access on accessible interest.#p#分頁標題#e#
3 the ambit of regulation
Behavioral Accounts Agency will administer bartering behavior of all cyberbanking institutions, behindhand of whether these agencies already in the Prudential Administration Agency of the micro prudential administration list.
Behavioral Accounts Agency will apart amenable for prudential adjustment ascendancy administration is not in the account of cyberbanking authoritative agencies, and will be amenable for developing the authoritative framework for the cyberbanking institutions and rules.
4 admiral and functions
Based on the British "financial casework and Markets Act" (FSMA) framework to actuate the alteration terms, the government will accord cyberbanking behavior Agency set up in retail and broad area behavior accompanying laws and regulations of the amount authoritative functions; to be classified as "non Prudential" cyberbanking behavior, has the appropriate to admission permission; for the prudential administration aural the ambit of business activities, not alone accept the appropriate of supervision, if necessary, can exercise the appropriate to enforce; and Prudential Adjustment Ascendancy operating funds administration functions.
5 allocation and cooperation
In the addition of any specific bartering behavior regulations, accept the obligation to argue with FCA PRA, the abrogating aftereffect acquired by abnegation in adjustment to accede issues on cyberbanking companies issued will the law; at the aforementioned time, FCA aswell has the assignment to FPC consulting, in adjustment to accede the regulations will be decidedly abrogating furnishings of systemically important cyberbanking institutions, robustness may be acquired by of all cyberbanking company.
序言
從各國金融監管體制的實踐看，大致可以分為四種模式：分業監管、傘式監管、雙峰監管、統一監管，這是各國長期歷史發展、政治經濟體制變革和金融業發展的演進結果。全球金融危機對原教旨自由市場經濟理論的信奉者來說無疑是一次沉重打擊，各國監管機構無疑將吸取教訓，紛紛摒棄市場原教旨主義，放棄無為監管的理念，實施更加嚴格的監管。同時后危機時代各國需要在“市場”與“監管”之間努力尋求動態平衡的路徑，注意把握從嚴監管的“度”，避免從放任市場轉變成過度監管，從一個極端走向另一個極端。
The Absolute Commission on cyberbanking according to a abstraction of British banking, because the anatomy and non anatomy of two kinds of methods of the British cyberbanking industry reform, and attempted to arise the British coffer competition. The ameliorate measures in adjustment to abate systemic accident in banking, accident assay of altered admeasurement and activity by banks; moral hazard abate banking; abate the accessible furnishings of bootless companies and banks; ensure able chump service, advance the cyberbanking industry (including retail and investment banking) competition, blockage ample banks because of "too big to fail" and accretion aggressive advantage.
金融監管制度改革的大幕悄然拉開。美歐金融監管改革計劃涉及金融機構、金融市場、金融產品、消費者保護、危機應對以及國際監管合作等諸多領域。英國金融業有著自律監管和分業監管的傳統，但自1986年“金融大爆炸”后開始逐步向統一監管轉變。1997年5月英國成立了金融服務局，作為英國唯一的監管機構負責綜合性監管，并具有較高的獨立性。金融業是英國的支柱性產業，2007年全球金融危機的沖擊，使一向以穩健性著稱的英國金融體系經受了沉重的壓力和巨大的考驗。英國金融監管當局重新審視建立于1997年的“三駕馬車”式金融監管體系，改革以往對金融機構尤其是銀行“輕度監管”的做法，大力推進金融監管改革，重新搭建金融監管新架構，以實現宏觀審慎監管與微觀審慎監管職能的有效結合。
The new framework three, Britain's cyberbanking adjustment adjustment
(1) the macro prudential administration and micro prudential administration combined
The Coffer of England is amenable for macro prudential administration and micro prudential administration function, which is accessory to the appropriate and authentic accretion and acknowledgment information, abstain multi authoritative inefficiencies and oversight, advance the ability of supervision, strengthen the supervision, appropriate boldness systemic cyberbanking risk.#p#分頁標題#e#
The cyberbanking activity lath will be amenable for the "macro prudential supervision", including the identification and apprehension adjustment accident (Systemic Risks), and can yield activity if necessary, affair instructions or recommendations to the prudential adjustment authority. Adjustment assay of the cyberbanking activity lath will advice PRA acumen of specific types of institutions and departments.
Prudential Adjustment Ascendancy for alone institutions of cyberbanking supervision, advance the assurance and bloom administration institutions, advance adherence and advisable operation of the cyberbanking system, ensure that regulators are not in the business of systemic adherence brought about abrogating effects, will any institutions bankrupt down annihilative furnishings acquired to a minimum. Prudential Administration Agency as a cyberbanking activity lath of the macro Prudential appraisal provides authoritative information.
Prudential Administration Agency administration accoutrement added than 2000 cyberbanking institutions, including the Coffer of England and added LAN accumulator apparatus (including apartment acclaim abutment and acclaim unions), agent (or investment bank), allowance companies, and investment aggregation a few specified. In the administration of the object, with the assets of the cyberbanking area the a lot of massive scale. At present, the British cyberbanking assets in about 11 abundance pounds, is 9 times Britain abundant GDP. The calibration of British allowance currently ranked the aboriginal in Europe, third in the world, asset admeasurement of about 1.4 abundance pounds, the non activity insurance.
(2) the deepening of cyberbanking customer protection
The cyberbanking behavior in cyberbanking ameliorate book was originally accepted as the customer aegis and Markets Ascendancy (CPMA), after renamed the cyberbanking behavior of the Bureau, amenable for the administration of all cyberbanking casework and cyberbanking customer protection, absolute cyberbanking behavior is added accessory to business conduct administration agency all cyberbanking enterprises to consumers and the interests of the participants to first.
1 babyminding structure
Behavioral Accounts Agency will yield the anatomy of a bound accountability company's operation, the cyberbanking casework industry funding. Its lath of admiral in over bisected of non controlling admiral will be appointed by the Ministry of finance, the cyberbanking activity lath of the controlling ability in the cyberbanking behavior will depend on the job board.
2 authoritative objectives
The capital ambition of the government will accord the cyberbanking behavior of appointment by the law is the aegis of cyberbanking consumers and ensure the bloom of the cyberbanking market, in adjustment to ensure aplomb in the cyberbanking casework and the cyberbanking markets. The ambition will acquiesce it to yield the appropriate adjustment in assorted aspects of cyberbanking regulation. The capital ambition in the achievement of the above, accede and antithesis as the next time you wish to target: added authoritative ambition coordination, acceptable authoritative attempt and accompanying access on accessible interest.#p#分頁標題#e#
3 the ambit of regulation
Behavioral Accounts Agency will administer bartering behavior of all cyberbanking institutions, behindhand of whether these agencies already in the Prudential Administration Agency of the micro prudential administration list.
Behavioral Accounts Agency will apart amenable for prudential adjustment ascendancy administration is not in the account of cyberbanking authoritative agencies, and will be amenable for developing the authoritative framework for the cyberbanking institutions and rules.
4 admiral and functions
Based on the British "financial casework and Markets Act" (FSMA) framework to actuate the alteration terms, the government will accord cyberbanking behavior Agency set up in retail and broad area behavior accompanying laws and regulations of the amount authoritative functions; to be classified as "non Prudential" cyberbanking behavior, has the appropriate to admission permission; for the prudential administration aural the ambit of business activities, not alone accept the appropriate of supervision, if necessary, can exercise the appropriate to enforce; and Prudential Adjustment Ascendancy operating funds administration functions.
5 allocation and cooperation
In the addition of any specific bartering behavior regulations, accept the obligation to argue with FCA PRA, the abrogating aftereffect acquired by abnegation in adjustment to accede issues on cyberbanking companies issued will the law; at the aforementioned time, FCA aswell has the assignment to FPC consulting, in adjustment to accede the regulations will be decidedly abrogating furnishings of systemically important cyberbanking institutions, robustness may be acquired by of all cyberbanking company.
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