银行证券保险业监管比较

银行、证券、保险三行业因其业务特性不同,从而面临的主要风险及风险表现的特征也不同。各行业的风险管理既表现出针对主要风险、服从业务特征的共性,也表现出在具体管理技术、方法上的差异性。因此,三行业的监管导向及监管实践都存在着差异和侧重：银行业突出系统性、监管协调和对资产的监管;证券业强调监管对象的多层次性、监管的透明性和对业务的监管;保险业以承保风险为核心,突出母国鉴定和对负债的监管。

A Comparison of Supervision in Different Financial Sectors

Because of the business difference, the risks that the banking, the security and the insurance sectors are faced with are different. Risk management, esp. the management technology and methods of the three sectors, is therefore different too. As for their regulatory guidance and practice, the difference is obvious ：the banking emphasizes systemic risks, regulatory coordination and focuses on banks＇ assets ; the security sector highlights the multilevel nature of the targets to be monitored, regulatory transparency and focuses on specific businesses respectively; and the insurance regulator focuses on the underwriting risk and the corporational liabilities, and relies mainly on home country＇s regulation.