澳洲金融监管体系
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4.2 Australia - financial regulatory approach (continued) 澳洲金融监管体Baidu Nhomakorabea（续）
• Reserve Bank of Australia (RBA) – central bank, responsible for 澳大利亚储备银行－中央银行 - monetary policy 制定货币政策 - systemic stability 维持金融系统的稳定 - payments system 建立并维护支付系统 and is lender of last resort 最后贷款人 • Australian Securities and Investment Commission (ASIC) – responsible for 澳大利亚证券和投资委员会 - enforcement and regulation of company and financial services laws to protect consumers, investors and creditors 执行公司法及金融法规以保护消费者、投资者和 债权人的利益
5
4. Australia – financial regulatory approach 澳洲金融监管体系
• Present system has evolved after a long period of reform 现有体制经历了长期改革演变而来 • Major changes followed the Financial System Inquiry in 1997 1997年“金融体制质询” 引起重大改变 • Led to formation of Australian Prudential Regulatory Authority (APRA) - to supervise all deposit taking institutions (ADIs)and life and general insurance and superannuation 设立澳大利亚金融监管局 -监管所有授权存款机构 (ADIs)、 人寿和一般保险、以及退休金体制 • ADIs include banks, building societies, credit unions and other licensed deposit takers 授权存款机构 (ADIs）包括银行、建筑资金融资合作社、信 用合作社以及其它授权存款机构
ASIA-PACIFIC DEVELOPMENT CENTRE
WORKSHOP ON RISK MANAGEMENT IN COMMERCIAL BANKS SHANGHAI, 20/21ST DECEMBER 2005
VI: 澳大利亚商业银行风险管理 发言人：Ken Waller, 澳洲联邦银行高级顾问
1
Agenda 综述
1. Why risk management is critical to good banking 风险管理对于银行经营的重要性 2. Summary of key risks impacting on banks 银行业面临的主要风险 3. Australia’s economic environment 澳洲经济环境 4. Australia – financial regulatory approach 澳洲金融监管体系 5. Major risk management challenges 风险管理面临的挑战 6. Responses to risk challenges 应对挑战 7. Implementing Basel II – Australia’s experience 澳洲实施新巴塞尔协议的经验 8. Challenges in implementing Basel II 新巴塞尔协议面临的挑战 9. Benefits from strengthened risk management 深化风险管理的益处 10. Conclusions 结论
2
1. Why risk management is critical to good banking 风险管理的重要性
• I refer to the comments I made in Session II of this workshop 请参照我在第二讲中所讲的内容 • Summarising: 小节 - fundamental obligation to protect depositors 保护储户的基本义务 - returns to shareholders 回报股东 - vital for confidence in banks/banking system 保持银行业/银行系统信心 - stability for growth and national development 有助于国家经济的稳健发展
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3.Australia’s economic environment 澳洲经济环境
• Relevant in context of risk management与风险管理相关联的经济环境 - continuing a long period of relatively strong economic growth 经济发展在较长时间内保持稳健 - low inflation 低通货膨胀 - budgets in surplus – strong fiscal outlook 预算盈余- 乐观的财政前景 - solid global outlook – with risks 全球前景稳定 • Good banking sector: profitable, well capitalised, low non-performing loans – highly competitive 银行业运作良好-赢利、资本配置合理、不良贷款率低-竞 争激烈
3
2. Summary of key risks impacting on banks 银行业面临的主要风险
• Domestic and international economic and political environment 国内国际政治经济环境 • Quality of monetary and budget policies and the legal framework 货币、预算政策和法律框架的有效性 • Global growth outlook, and risks 全球发展前景及风险
4.2 Australia - financial regulatory approach (continued) 澳洲金融监管体Baidu Nhomakorabea（续）
• Reserve Bank of Australia (RBA) – central bank, responsible for 澳大利亚储备银行－中央银行 - monetary policy 制定货币政策 - systemic stability 维持金融系统的稳定 - payments system 建立并维护支付系统 and is lender of last resort 最后贷款人 • Australian Securities and Investment Commission (ASIC) – responsible for 澳大利亚证券和投资委员会 - enforcement and regulation of company and financial services laws to protect consumers, investors and creditors 执行公司法及金融法规以保护消费者、投资者和 债权人的利益
5
4. Australia – financial regulatory approach 澳洲金融监管体系
• Present system has evolved after a long period of reform 现有体制经历了长期改革演变而来 • Major changes followed the Financial System Inquiry in 1997 1997年“金融体制质询” 引起重大改变 • Led to formation of Australian Prudential Regulatory Authority (APRA) - to supervise all deposit taking institutions (ADIs)and life and general insurance and superannuation 设立澳大利亚金融监管局 -监管所有授权存款机构 (ADIs)、 人寿和一般保险、以及退休金体制 • ADIs include banks, building societies, credit unions and other licensed deposit takers 授权存款机构 (ADIs）包括银行、建筑资金融资合作社、信 用合作社以及其它授权存款机构
ASIA-PACIFIC DEVELOPMENT CENTRE
WORKSHOP ON RISK MANAGEMENT IN COMMERCIAL BANKS SHANGHAI, 20/21ST DECEMBER 2005
VI: 澳大利亚商业银行风险管理 发言人：Ken Waller, 澳洲联邦银行高级顾问
1
Agenda 综述
1. Why risk management is critical to good banking 风险管理对于银行经营的重要性 2. Summary of key risks impacting on banks 银行业面临的主要风险 3. Australia’s economic environment 澳洲经济环境 4. Australia – financial regulatory approach 澳洲金融监管体系 5. Major risk management challenges 风险管理面临的挑战 6. Responses to risk challenges 应对挑战 7. Implementing Basel II – Australia’s experience 澳洲实施新巴塞尔协议的经验 8. Challenges in implementing Basel II 新巴塞尔协议面临的挑战 9. Benefits from strengthened risk management 深化风险管理的益处 10. Conclusions 结论
2
1. Why risk management is critical to good banking 风险管理的重要性
• I refer to the comments I made in Session II of this workshop 请参照我在第二讲中所讲的内容 • Summarising: 小节 - fundamental obligation to protect depositors 保护储户的基本义务 - returns to shareholders 回报股东 - vital for confidence in banks/banking system 保持银行业/银行系统信心 - stability for growth and national development 有助于国家经济的稳健发展
4
3.Australia’s economic environment 澳洲经济环境
• Relevant in context of risk management与风险管理相关联的经济环境 - continuing a long period of relatively strong economic growth 经济发展在较长时间内保持稳健 - low inflation 低通货膨胀 - budgets in surplus – strong fiscal outlook 预算盈余- 乐观的财政前景 - solid global outlook – with risks 全球前景稳定 • Good banking sector: profitable, well capitalised, low non-performing loans – highly competitive 银行业运作良好-赢利、资本配置合理、不良贷款率低-竞 争激烈
3
2. Summary of key risks impacting on banks 银行业面临的主要风险
• Domestic and international economic and political environment 国内国际政治经济环境 • Quality of monetary and budget policies and the legal framework 货币、预算政策和法律框架的有效性 • Global growth outlook, and risks 全球发展前景及风险