中国与加拿大金融业监管比较研究

A Comparative Study of Financial Supervision between China and Canada

加拿大是国际上公认的金融业相对稳健的国家,这得益于加拿大传统的稳健经营风格及其行之有效的金融监管制度。研究加拿大金融监管制度及其特点,对完善我国金融监管具有积极意义。本文分析了加拿大金融监管制度的历史发展过程,探讨加拿大两级多头的金融监管体制和以风险为核心的金融监管框架,概括了加拿大金融监管的主要特点,包括金融实践推动性、独立监管与协调监管的一体性、抗风险性、功能监管和弹性监管、金融监管法制化以及独特的金融监管理念。借鉴加拿大的经验,中国金融监管制度应着重从以下方面进行改革和完善,包括:监管模式应由分业的机构监管向混业的功能监管转变,建立科学合理的风险评价机制和操作规范,提高金融监管机构间的协调性,加强金融立法,完善金融监管法律法规体系,依法监管。

Canada is recognized a relatively stable country on financial industry in the world, the reason is that Canada have traditional stable manage style and effective Financial Supervision system. It will have positive significance for perfecting China＇s financial supervision to study Canada＇s financial regulatory system and its features. This article analyses historical development process, of Canadian financial supervision system, discusses the main contents which includes： Supervision system present Two levels and several directions, and takes the risk as the core of Supervisor of Framework, and summarizes the basic Characteristics which includes ： financial practice catalytic, take independence and coordinate as one, risk resistance, function regulation and elasticity regulation, regulation according to law, and particular manage ideas etc. At the same time, some enlightenments are risen to China, which includes： regulatory model by sub - sector regulatory agency to mix function regulatory, establish scientific and reasonable risk assessment mechanisms and practices, improve coordination among financial regulators, strengthen finacial legislation, improve the finacial regulatory laws, supervision according to law.