加拿大银行风险管理的框架介绍。
As of July 2002 there were 14 domestic banks, 33 foreign bank subsidiaries and 20 foreign bank branches operating in Canada. In total, these institutions had over $1.7 trillion in assets, which accounted for over 70 per cent of the total assets within the Canadian financial services sector. The six largest domestic banks accounted for the bulk of the activity, holding over 90 per cent of banking assets.Banks are among Canada’s leading employers. In 2000 the industry employed over 235,000 Canadians and had a Canadian payroll of approximately $16.1 billion. In addition, in 2001 the six major domestic banks paid $4.8 billion in taxes to all levels of government.Canada’s banks operate through an extensive network that includes over 8,000 branches and close to 18,000 automated banking machines (ABMs) across the country. Canada has the highest number of ABMs per capita in the world and benefits from the highest penetration levels of electronic channels such as debit cards, Internet banking and telephone banking. In 2001 Canadians conducted 2.2 billion debit card transactions from over 328,000 merchants, ranking Canada first in the world in ABM use. Between 1997 and 2000 the number of Internet banking customers registered with the six major banks increased by 262 per cent, to over 5.8 million customers. Telephone banking, which permits customers to make account inquiries, transfers and bill payments over the telephone 24 hours a day, is also an increasingly popular delivery channel for Canada’s six major banks, with over 9.7 million customers using the service in 2000.