澳洲金融监管体系.pptVIP

ASIA-PACIFIC DEVELOPMENT CENTREWORKSHOP ON RISK MANAGEMENT IN COMMERCIAL BANKSSHANGHAI, 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 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 Australia’s economic environment 澳洲经济环境 4. Australia – financial regulatory approach 澳洲金融监管体系 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 Challenges in implementing Basel II 　　新巴塞尔协议面临的挑战 Benefits from strengthened risk management 深化风险管理的益处 Conclusions 结论 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 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 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 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