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ID:5795895
大小:250.00 KB
页数:23页
时间:2017-12-25
《faqs isle of man deposit-takers (banks)》由会员上传分享,免费在线阅读,更多相关内容在行业资料-天天文库。
1、FAQs–IsleofMandeposit-takers(“banks”)Q1:DoestheIsleofManhaveadepositor-protectionscheme?Yes.TheDepositors’CompensationSchemecoverageislargelyinlinewithsimilarschemesinplaceintheUK,GuernseyandJersey.Themainfeatureoftheschemeisthatpersonaldepositorsarecoveredforupto£50,000oftheirsavingswithanylicens
2、eddeposittaker.Mostothercategoriesofdepositor(companies,trustsetc)arecovereduptoamaximumof£20,000.ClickhereforguidanceregardingtheDepositors’CompensationScheme,anddetailsofthefullDepositors’CompensationSchemeRegulations.Q2.WhichbanksarepermittedtooperateintheIsleofMan,andwhatconditionsdobanksneedt
3、omeet?TheIsleofManhasdevelopedacomprehensivelicensingpolicyforitsbanks.ThiswaslastreviewedandupdatedinAugust2010andispublishedontheCommission’swebsite.Clickheretoview.ThepolicyreflectsthelongestablishedconservativeapproachthattheIsleofManhasadoptedtowardsbanksoperatingwithinit.Whilstthepolicyoffer
4、ssomelevelofflexibility,itscoretenetsarethatabankshould:·beasubsidiarycompanyorbranchofabanklicensedaspartofamajorbankinggroup.ThatgroupshouldcurrentlyberegulatedinajurisdictionwhichappliesregulatorystandardsequivalenttothoseappliedtobanksintheIsleofMan·havenodominantcontrollers·beofsystemicimport
5、anceinitshomejurisdiction,whichinturnshouldbecapableofsupportingthebankfinanciallyifeverneeded·meetthefinancialstandardslaiddownbytheCommission·bestaffedbypersonswhoareadequatelyexperiencedandcompetentinrelevantareasofbankingTheCommissionappliesconservativefinancialrequirementstothosebanksthatarei
6、ncorporatedintheIsleofMan(asopposedtobranches–seeQ12).TheseareconsistentwithinternationalstandardsofbankingregulationandaredesignedtoensurethatbanksincorporatedintheIsleofManremainwellcapitalisedandhaveadequateliquiditylevels(alsoseeQ11andQ12forthelinkswithparents/groups).Otherspecificlicencecondi
7、tionsareestablishedforindividualbankstoreflecttheirparticularcircumstances.Thesecanincludesuchthingsaslimitationsonactivitiesortypesofcustomerthatabankcandealwith.Q3.WhatdoestheCommissiondoinsupervisingitsbanksan
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