加拿大金融监管框架及对我国金融监管的启示

Supervisory Framework of Canada and Lessons to China s Financial Supervision

加拿大是国际公认的金融业相对稳健的国家,研究加拿大金融监管体制及其特点,对我国金融监管工作必定有其积极意义。1999年加拿大通过了新的《金融监管框架》,其主体思想就是建立以风险为核心的金融监管。在新的监管框架中,对金融风险的识别、衡量、监测和控制始终贯穿于监管工作的始末,并且建立了一套完整的风险评估和评级体系。新的监管框架不仅可以实现保护社会公众利益的监管目标,而且也有利于降低金融机构所承担的监管成本,从而提高其国际竞争力。

Canada is an internationally well-recognized nation with sound financial practices. To study the Canadian financial supervision system and itscharacteristics would help China to improve the quality of the financial supervisions. The Office of the Superintendent of Financial Institutions (OSFI) of Canada established a new Supervisory Framework in 1999, which focused on supervision of risks inherence inside the financial institutions. Under the new supervisory framework, the safety and soundness of a financial institution are assessed effectively by evaluating an institution s risk profile, financial condition, risk management processes, and compliance with applicable laws and regulations based on a well functioned risk evaluation and rating system. The implementation of the new supervisory framework can not only better achieve the OSFI' s mandate to protect the public interests but also reduce the supervisory costs engaged by the financial institutions, therefore helps them to upgrade the competitive capabilities in international financial market places.