澳大利亚对混业金融集团三级监管的实践及启示

Practical Inspiration from Australia's Three-tier Regulation for Mixed Financial Group

澳大利亚金融体系在本轮国际金融危机中受损甚微,主要得益于其双峰监管模式。澳大利亚审慎监管署(APRA)发布的对混业金融集团监管草案(简称"三级监管"),确定了混业金融集团的确认原则,并从资本充足水平、公司治理、风险管理、法律授权、监管程序等各方面加强监管。这对我国加强对金融集团的监管有较强的借鉴意义。据此,本文从监管制度、法律框架、审慎监管准则、交叉性业务风险预警、人才培养和交流等方面提出完善金融集团监管的建议。

The financial system of Australia suffered little from this international fnancial crisis due to its twin-peak supervision mode. The draft rules for mixed financial group （ ＂Three-tier regulation＂ for short ） published by APRA established the recognition principle for mixed financial group and strengthened regulation in capital adequacy level, corporate governance, risk management, legal authorization, regulatory process and other areas. Our country can also use for reference to strengthen the regulation for financial group. Based on this, this paper provides suggestions to perfect the regulation for financial group from the aspects of supervision system, legal framework, prudential regulation principle, risk warning for overlapping business, personnel training, communication, etc.