奥克兰assignment代写 金融监管FCA

2020-02-21 14:51

金融市场行为监管局(FCA)的公平对待客户原则(TCF)，沟通清晰，不提供误导信息，在金融机构中发挥了重要作用，特别是自2008年金融危机以来。例如，金融危机挑战了整个金融体系。这场危机的根源是在过去三十年中形成的。例如，次级抵押贷款的证券化导致了金融不稳定。次级抵押贷款具有风险，被作为安全投资出售给投资者。[2]缺乏国际通用的标准和规则也是一个因素。FCA规则旨在防止金融危机重演，为消费者提供更公平的交易，防止未经授权的交易，并提高投资安全性。FCA规则通过《2000年金融服务与市场法》(FSMA 2000)和《2009年支付服务条例》(PSRs)、《1974年消费者信贷法》(CCA)和《FCA手册》支持消费者。FCA规则包括客户在与金融机构联系时所期望的最低服务标准。例如，金融机构应该公开和诚实地开展业务。这意味着组织应该清楚利息、收益或费用。所有书面文件、商业要约和广告必须包含有关金融产品或要约的完整、透明和准确的信息。FCA规则的第二条原则是，金融机构应该以专业的态度、应有的责任感和努力来运作。FCA的下一条原则是，所有的金融机构必须公正、尊重地对待客户。这意味着金融公司应该建立一个有效的风险管理系统，对任何金融交易负责并建立健全的控制。FCA的另一个原则是，参与投资的金融公司应该根据MIFID执行和建立金融政策.
奥克兰assignment代写 金融监管FCA
The Financial Conduct Authority (FCA) principles to treat customers fairly (TCF), communicate clearly and not provide misleading information play a significant role in financial organisations especially since the financial crisis in 2008.[1] For instance, the financial crisis challenged the whole financial system. They roots of this crisis developed over the previous three decades. For example, the securitisation of sub-prime mortgages, which were risky and sold to investors as safe investments, led to financial instability.[2] The lack of international ‘…common standards and regulations…’[3] was also a factor. The FCA rules seek to prevent a recurrence of the financial crisis, provide a fairer deal for consumers, protect against unauthorised transactions, and increase security for investments. [4] The FCA rules support consumers through the Financial Services and Markets Act 2000 (FSMA 2000) and Payment Services Regulations 2009 (PSRs), the Consumer Credit Act 1974 (CCA) and, FCA Handbook.[5] The FCA rules include minimum standards of service that a client can expect when contacting financial institutions. For instance, financial organisations should conduct their business openly and honestly.[6] This means that the organization should be clear about the interest, yields or fees. All paperwork, commercial offers and advertising must carry complete, transparent and accurate information about the financial product or offer.[7] The second principal of the FCA rules is that financial organisations should be conducted professionally, with due responsibility and effort.6 The next FCA principal is that all financial organisations must treat customers fairly and respectfully.6This means that financial companies should establish an effective risk management system, be responsible and establish robust controls for any financial transactions.6 Another FCA principal is that financial companies involved in investing should implement and establish financial policies according to MIFID

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