New framework of financial regulatory reform the management mode英国金融监管改革新架构的管理模式
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
从各国金融监管体制的实践看，大致可以分为四种模式：分业监管、伞式监管、双峰监管、统一监管，这是各国长期历史发展、政治经济体制变革和金融业发展的演进结果。全球金融危机对原教旨自由市场经济理论的信奉者来说无疑是一次沉重打击，各国监管机构无疑将吸取教训，纷纷摒弃市场原教旨主义，放弃无为监管的理念，实施更加严格的监管。同时后危机时代各国需要在“市场”与“监管”之间努力寻求动态平衡的路径，注意把握从严监管的“度”，避免从放任市场转变成过度监管，从一个极端走向另一个极端。
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.
金融监管制度改革的大幕悄然拉开。美欧金融监管改革计划涉及金融机构、金融市场、金融产品、消费者保护、危机应对以及国际监管合作等诸多领域。英国金融业有着自律监管和分业监管的传统，但自1986年“金融大爆炸”后开始逐步向统一监管转变。1997年5月英国成立了金融服务局，作为英国唯一的监管机构负责综合性监管，并具有较高的独立性。金融业是英国的支柱性产业，2007年全球金融危机的冲击，使一向以稳健性著称的英国金融体系经受了沉重的压力和巨大的考验。英国金融监管当局重新审视建立于1997年的“三驾马车”式金融监管体系，改革以往对金融机构尤其是银行“轻度监管”的做法，大力推进金融监管改革，重新搭建金融监管新架构，以实现宏观审慎监管与微观审慎监管职能的有效结合。
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#分页标题#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#分页标题#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
从各国金融监管体制的实践看，大致可以分为四种模式：分业监管、伞式监管、双峰监管、统一监管，这是各国长期历史发展、政治经济体制变革和金融业发展的演进结果。全球金融危机对原教旨自由市场经济理论的信奉者来说无疑是一次沉重打击，各国监管机构无疑将吸取教训，纷纷摒弃市场原教旨主义，放弃无为监管的理念，实施更加严格的监管。同时后危机时代各国需要在“市场”与“监管”之间努力寻求动态平衡的路径，注意把握从严监管的“度”，避免从放任市场转变成过度监管，从一个极端走向另一个极端。
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.
金融监管制度改革的大幕悄然拉开。美欧金融监管改革计划涉及金融机构、金融市场、金融产品、消费者保护、危机应对以及国际监管合作等诸多领域。英国金融业有着自律监管和分业监管的传统，但自1986年“金融大爆炸”后开始逐步向统一监管转变。1997年5月英国成立了金融服务局，作为英国唯一的监管机构负责综合性监管，并具有较高的独立性。金融业是英国的支柱性产业，2007年全球金融危机的冲击，使一向以稳健性著称的英国金融体系经受了沉重的压力和巨大的考验。英国金融监管当局重新审视建立于1997年的“三驾马车”式金融监管体系，改革以往对金融机构尤其是银行“轻度监管”的做法，大力推进金融监管改革，重新搭建金融监管新架构，以实现宏观审慎监管与微观审慎监管职能的有效结合。
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#分页标题#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#分页标题#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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