金融监管地新路径——确保稳定，保护金融消费者.pdf

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1、Anewapproachtofinancialregulation:securingstability,protectingconsumersCm8268January2012Anewapproachtofinancialregulation:securingstability,protectingconsumersPresentedtoParliamentbytheChancelloroftheExchequerbyCommandofHerMajestyJanuary2012Cm8268£29.75©Crowncopyright20

2、12Youmayre-usethisinformation(notincludinglogos)freeofchargeinanyformatormedium,underthetermsoftheOpenGovernmentLicence.Toviewthislicence,visithttp://www.nationalarchives.gov.uk/doc/open-government-licence/orwritetotheInformationPolicyTeam,TheNationalArchives,Kew,London

3、TW94DU,ore-mail:psi@nationalarchives.gsi.gov.uk.Anyqueriesregardingthispublicationshouldbesenttousat:public.enquiries@hm-treasury.gov.uk.Thispublicationisalsoavailableonhttp://www.official-documents.gov.uk/ISBN:9780101826822PU1259PrintedintheUKbyTheStationeryOfficeLimit

4、edonbehalfoftheControllerofHerMajesty’sStationeryOfficePrintedonpapercontaining75%recycledfibrecontentminimumIDP00247407601/12ContentsPageForeword3Chapter1Introduction5Chapter2BankofEnglandandFinancialPolicyCommittee13Chapter3PrudentialRegulationAuthority19Chapter4Finan

5、cialConductAuthority27Chapter5Regulatoryprocessesandcoordination37Chapter6Europeanandinternationalregulation43AnnexAGovernmentresponsetotheJointCommittee47AnnexBGovernmentresponsetotheTreasurySelectCommittee67AnnexCSummaryofresponsestoconsultation79AnnexDImpactassessmen

6、t97AnnexEMOUoncrisismanagement109AnnexFMOUoninternationalorganisations1171ForewordDuringthelastdecadeBritainexperiencedadebt-fuelledboomthatendedinfinancialcrisis,recessionandadebtoverhangthatisstillholdingbackoureconomy.Thecrisisrevealedfundamentalflawsinourregulatorys

7、ystem,andinthestructureofourbankingsector.Regulatorsfailedtospottheenormousimbalancesbuildingupandprovedincapableofdealingwiththecrisiswhenitfirstbroke.Hugeglobalbanksturnedouttobe“toobigtofail”andasaresultBritishtaxpayerswereforcedtopumpbillionsofpoundsintothebankingse

8、ctorinordertopreventafinancialmeltdown.Consequently,reformofthefinancialsectorhasbeenoneofthisGovernment’skeyp