In 2010 June, the British set up by ICB, a aloft axial coffer arch economist Weekes (John Vickers) who, in adjustment to fundamentally break the cyberbanking "too big to fail" moral hazard problem. After a continued gestation, ICB in September 12, 2011, submitted a final address on the ameliorate of the cyberbanking system, the reforms of the backward in 2019 abounding implementation.

 序言
    從各國(guó)金融監(jiān)管體制的實(shí)踐看，大致可以分為四種模式：分業(yè)監(jiān)管、傘式監(jiān)管、雙峰監(jiān)管、統(tǒng)一監(jiān)管，這是各國(guó)長(zhǎng)期歷史發(fā)展、政治經(jīng)濟(jì)體制變革和金融業(yè)發(fā)展的演進(jìn)結(jié)果。全球金融危機(jī)對(duì)原教旨自由市場(chǎng)經(jīng)濟(jì)理論的信奉者來說無疑是一次沉重打擊，各國(guó)監(jiān)管機(jī)構(gòu)無疑將吸取教訓(xùn)，紛紛摒棄市場(chǎng)原教旨主義，放棄無為監(jiān)管的理念，實(shí)施更加嚴(yán)格的監(jiān)管。同時(shí)后危機(jī)時(shí)代各國(guó)需要在“市場(chǎng)”與“監(jiān)管”之間努力尋求動(dòng)態(tài)平衡的路徑，注意把握從嚴(yán)監(jiān)管的“度”，避免從放任市場(chǎng)轉(zhuǎn)變成過度監(jiān)管，從一個(gè)極端走向另一個(gè)極端。

The Absolute Commission on cyberbanking according to a abstraction of British banking, because the anatomy and non anatomy of two kinds of methods of the British cyberbanking industry reform, and attempted to arise the British coffer competition. The ameliorate measures in adjustment to abate systemic accident in banking, accident assay of altered admeasurement and activity by banks; moral hazard abate banking; abate the accessible furnishings of bootless companies and banks; ensure able chump service, advance the cyberbanking industry (including retail and investment banking) competition, blockage ample banks because of "too big to fail" and accretion aggressive advantage.

 金融監(jiān)管制度改革的大幕悄然拉開。美歐金融監(jiān)管改革計(jì)劃涉及金融機(jī)構(gòu)、金融市場(chǎng)、金融產(chǎn)品、消費(fèi)者保護(hù)、危機(jī)應(yīng)對(duì)以及國(guó)際監(jiān)管合作等諸多領(lǐng)域。英國(guó)金融業(yè)有著自律監(jiān)管和分業(yè)監(jiān)管的傳統(tǒng)，但自1986年“金融大爆炸”后開始逐步向統(tǒng)一監(jiān)管轉(zhuǎn)變。1997年5月英國(guó)成立了金融服務(wù)局，作為英國(guó)唯一的監(jiān)管機(jī)構(gòu)負(fù)責(zé)綜合性監(jiān)管，并具有較高的獨(dú)立性。金融業(yè)是英國(guó)的支柱性產(chǎn)業(yè)，2007年全球金融危機(jī)的沖擊，使一向以穩(wěn)健性著稱的英國(guó)金融體系經(jīng)受了沉重的壓力和巨大的考驗(yàn)。英國(guó)金融監(jiān)管當(dāng)局重新審視建立于1997年的“三駕馬車”式金融監(jiān)管體系，改革以往對(duì)金融機(jī)構(gòu)尤其是銀行“輕度監(jiān)管”的做法，大力推進(jìn)金融監(jiān)管改革，重新搭建金融監(jiān)管新架構(gòu)，以實(shí)現(xiàn)宏觀審慎監(jiān)管與微觀審慎監(jiān)管職能的有效結(jié)合。

The new framework three, Britain's cyberbanking adjustment adjustment
(1) the macro prudential administration and micro prudential administration combined

The Coffer of England is amenable for macro prudential administration and micro prudential administration function, which is accessory to the appropriate and authentic accretion and acknowledgment information, abstain multi authoritative inefficiencies and oversight, advance the ability of supervision, strengthen the supervision, appropriate boldness systemic cyberbanking risk.#p#分頁標(biāo)題#e#

The cyberbanking activity lath will be amenable for the "macro prudential supervision", including the identification and apprehension adjustment accident (Systemic Risks), and can yield activity if necessary, affair instructions or recommendations to the prudential adjustment authority. Adjustment assay of the cyberbanking activity lath will advice PRA acumen of specific types of institutions and departments.

Prudential Adjustment Ascendancy for alone institutions of cyberbanking supervision, advance the assurance and bloom administration institutions, advance adherence and advisable operation of the cyberbanking system, ensure that regulators are not in the business of systemic adherence brought about abrogating effects, will any institutions bankrupt down annihilative furnishings acquired to a minimum. Prudential Administration Agency as a cyberbanking activity lath of the macro Prudential appraisal provides authoritative information.
Prudential Administration Agency administration accoutrement added than 2000 cyberbanking institutions, including the Coffer of England and added LAN accumulator apparatus (including apartment acclaim abutment and acclaim unions), agent (or investment bank), allowance companies, and investment aggregation a few specified. In the administration of the object, with the assets of the cyberbanking area the a lot of massive scale. At present, the British cyberbanking assets in about 11 abundance pounds, is 9 times Britain abundant GDP. The calibration of British allowance currently ranked the aboriginal in Europe, third in the world, asset admeasurement of about 1.4 abundance pounds, the non activity insurance.

(2) the deepening of cyberbanking customer protection

The cyberbanking behavior in cyberbanking ameliorate book was originally accepted as the customer aegis and Markets Ascendancy (CPMA), after renamed the cyberbanking behavior of the Bureau, amenable for the administration of all cyberbanking casework and cyberbanking customer protection, absolute cyberbanking behavior is added accessory to business conduct administration agency all cyberbanking enterprises to consumers and the interests of the participants to first.

1 babyminding structure

Behavioral Accounts Agency will yield the anatomy of a bound accountability company's operation, the cyberbanking casework industry funding. Its lath of admiral in over bisected of non controlling admiral will be appointed by the Ministry of finance, the cyberbanking activity lath of the controlling ability in the cyberbanking behavior will depend on the job board.

2 authoritative objectives

The capital ambition of the government will accord the cyberbanking behavior of appointment by the law is the aegis of cyberbanking consumers and ensure the bloom of the cyberbanking market, in adjustment to ensure aplomb in the cyberbanking casework and the cyberbanking markets. The ambition will acquiesce it to yield the appropriate adjustment in assorted aspects of cyberbanking regulation. The capital ambition in the achievement of the above, accede and antithesis as the next time you wish to target: added authoritative ambition coordination, acceptable authoritative attempt and accompanying access on accessible interest.#p#分頁標(biāo)題#e#

3 the ambit of regulation

Behavioral Accounts Agency will administer bartering behavior of all cyberbanking institutions, behindhand of whether these agencies already in the Prudential Administration Agency of the micro prudential administration list.

Behavioral Accounts Agency will apart amenable for prudential adjustment ascendancy administration is not in the account of cyberbanking authoritative agencies, and will be amenable for developing the authoritative framework for the cyberbanking institutions and rules.

4 admiral and functions

Based on the British "financial casework and Markets Act" (FSMA) framework to actuate the alteration terms, the government will accord cyberbanking behavior Agency set up in retail and broad area behavior accompanying laws and regulations of the amount authoritative functions; to be classified as "non Prudential" cyberbanking behavior, has the appropriate to admission permission; for the prudential administration aural the ambit of business activities, not alone accept the appropriate of supervision, if necessary, can exercise the appropriate to enforce; and Prudential Adjustment Ascendancy operating funds administration functions.

5 allocation and cooperation

In the addition of any specific bartering behavior regulations, accept the obligation to argue with FCA PRA, the abrogating aftereffect acquired by abnegation in adjustment to accede issues on cyberbanking companies issued will the law; at the aforementioned time, FCA aswell has the assignment to FPC consulting, in adjustment to accede the regulations will be decidedly abrogating furnishings of systemically important cyberbanking institutions, robustness may be acquired by of all cyberbanking company.