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Paper in 1990 s Swiss financial of a kind of trend of is what happened in the banking industry and insurance business between each other for Banks to penetrate insurance business in order to overcome the existing joint silver-colored card to segregation of unity supervision system defects in Switzerland, which began in 1998 its financial regulatory reform so Switzerland the financial regulatory system how to exist any features can make Switzerland as an international financial centre from Switzerland the financial regulatory structure present situation and problems of the reform and explain the Swiss analysis for China's financial regulatory system to provide reference.

A unified, silver-colored card to the supervised system

Swiss financial supervision system executes is Swiss Banks and securities from the Swiss federal banking commission (hereinafter referred to as FBC) unified supervision Swiss private insurance industry federal private insurance supervision by Switzerland (hereinafter referred to as FOPI) supervision supervised system and implement two levels of FBC regulatory system monitor both the activities in FBC and authorized external audit supervision responsibilities between the company division of Labour.

In addition to the main in Switzerland FBC and FOPI (the two institutions supervision at present with about 330 Banks and more than 200 insurance companies) supervision of financial markets by many regulators duties also assume

(a) regulatory framework

1. The federal banking committee (FBC) (1) the structure of the organization by 7 to 11 FBC members by the federal election commission FBC in subjection the federal Treasury administrative in Switzerland (hereinafter referred to as FDF) but independent of the federal commission instructions based on its independence to the financial FBC department of each part of regulatory have absolute authority (2) regulatory activities of Switzerland is to take two levels of silver-colored card to regulatory supervision system based on state oversight is silver-colored card as the supervision organs FBC and some are authorized to audit the company of division between the two layers task in the supervision system under the delegation FBC audit the company examination and keep responsible for overall supervision and law enforcement measures rights FBC only in very rare cases to direct the confirmation review because the big bank group in Switzerland financial system plays a very important role so FBC need to Switzerland yourself two big Banks, UBS (UBS) and credit suisse (CS) bank supervision to insure the implementation of direct supervision system of authorized FBC energy audit the company to conduct quality inspection and control will monitor audit FBC sometimes directly to Banks or securities dealer of audit program (3) operation cost in order to maintain operations every year by the regulation to FBC institutions supervision fee collection of supervision fee how much is the preceding year spending FBC mutatis mutandis to the collection of so of supervising agencies activity funds is independent of the confederation financial budget also need not taxpayers assume

2. The federal private insurance supervision bureau (FOPI) FOPI entrusted by the federal commission to Swiss private insurance life insurance, insurance, damage i本论文由英语论文网提供整理，提供论文代写，英语论文代写，代写论文，代写英语论文，代写留学生论文，代写英文论文，留学生论文代写相关核心关键词搜索。