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各位同学好,我刚把361WEBCT上那道问答题大致总结了一下,愿意拿出来与大家分享.
我只是在我能力问题范围内做的概括总结 特此声明并非正确答案! 如有任何错误希望一起学的同学给予纠正,另外也希望我的错误别对你产生误导!
本贴只是我个人理解的答题思路!
Introduction:
Generally, the regulation of banking system in NZ is quite different from US’s. Reason: The purposes in US are 1.Protection of Depositors 2.Maintain monetary and financial stability 3.efficient and competitive financial system 4.Consumer protection. In contrast to NZ, the banking regulation for the purposes of 1.maintain a sound and efficient financial system 2.avoiding significant damage to the financial system.
Body:
NZ method:
RBNZ is the only agency for banking supervision and it draws on and enhances the market disciplines that are naturally present in the financial system.
Supervisory approaches performed by RBNZ:
1. Administers disclosure and director attestation requirements for registered banks.
2. Applies for all banks to hold minimum level of prudential requirements; and quantitative restriction on connected exposure and minimum capital adequacy.
3. Monitoring banks’ financial conditions and performance on quarterly basis.
4. Consulting banks’ senior management and inform banks’ strategic direction and developments in banking industry.
5. Executing management powers under RBNZ Act to intervene where a bank distress or failure situation threatens the soundness of the financial system.
6. 6maintains close working relationship with parent banks on specific issues, policy issues and general matters related to condition of financial system in NZ.
US Method:
The US has a number of regulatory agencies.
To protect depositors and maintain stable financial system:
US regulators seek to restrict bank risk taking.
Fed deposit insurance provides an additional means of protecting depositors.
Also, a series of requirements on capital, securities holdings, loan qualities, employees, risk control and other factors are needed.
Establish prudential bounds on banking activities without restricting normal banking functions.
To promote efficient and competitive banking environment:
Application of antitrust laws in order to avoid monopolization.
Regulations on mergers and acquisitions.
Protection consumers:
A number of consumer laws are used to achieve social goals. E.g. Consumer Credit Protection Act 1968.
Conclusion:
Base on different purposes of two regulation systems, the effective measures of those two systems are different. NZ system may react quickly to developments affecting a bank’s financial condition. US system provides greater protection to its depositors and consumers and may achieve greater effectiveness due to more specific regulation rules. |
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发表于 2005-11-3 01:05:21
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