Page 21 - CCFA Journal - Fifth Issue
P. 21
监管 Regulation 加中金融
行政层面 Administration
在某些情况下，法案授权信用合作社在 FSRA 的直接控制 In some circumstances, the Act provides FSRA the authority to place
a credit union under "administration". Administration allows the
下运营，同时提供充足的时间来制定和实施最合适恰当
credit union to continue to operate under FSRA’s direct control while
的策略来保护存款人。
providing sufficient time to develop and implement the most
appropriate strategy to protect depositors.
解散机制
Dissolution
当信用合作社倒闭时，会指定清算人来管理运营并有序
结束。在大多数情况下，FSRA 会被任命为清算人，以尽 When a credit union goes out of business, a liquidator is appointed
量减少对信用合作社存款人的影响，信用合作社将有序 to manage the orderly wind up of operations. In most cases, FSRA is
appointed as liquidator in order to minimize the impact on the credit
地结束事务，并最大限度地回收资产。
union's depositors, pay depositors, wind up affairs in an orderly
FSRA 的其他权力 manner, and maximize the recovery of assets.
Other FSRA powers
FSRA 有权发布合规令，要求信用合作社解决特定的弱点
和缺陷。在某些情况下，FSRA 还以施加存款保险条件和 FSRA has the authority to issue compliance orders requiring a credit
行政处罚，FSRA 致力于根据既定标准以公平和透明的方 union to resolve specified weaknesses and deficiencies. In certain
式管理这些职责。 cases, FSRA may also impose conditions of deposit insurance and
administrative penalties. FSRA is committed to administering these
合规令 responsibilities in a fair and transparent manner, in accordance with
established criteria.
存款保险条件和合规令需要由 FSRA 在仔细调查和分析信
用合作社确定的缺陷后发布，FSRA 将发出一份书面通知， Compliance orders
表明其即将发出合规命令或强加存款保险条件，并提供 Conditions of deposit insurance and compliance orders will only be
他们用于该决定的标准和证据的完整细节，信用合作社 issued by FSRA upon careful investigation and analysis of a credit
通常会收到至少 15 天的通知，给一个回应的机会以及对 union's identified material weaknesses and deficiencies. FSRA will
所有合规命令提出上诉的权利，而 FSRA 发布的合规令将 issue a written notice of its intention to issue a compliance order or
impose conditions of deposit insurance, providing full details of the
会发布在 FSRA 的网站上。 criteria and evidence used for the decision. Credit unions will
normally be provided with at least 15 days' notice, an opportunity to
备注：文章的中文翻译是由 CCFA 的志愿者 Elyn Li 提供的。
respond, and the right to appeal all compliance orders. Compliance
orders issued by FSRA will be published on FSRA's website.
CCFA JOURNAL OF FINANCE October 2021
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