美國金融監理架構與監管實務
Regulatory Framework and Supervisory Approach in the United States

本課程介紹美國金融監理架構與監督模式，重點說明聯邦準備體系及其他監理機構之職責與運作方式，並探討其如何共同維持金融體系之穩定與健全。
This course discusses the regulatory framework and the supervisory approach used by the Federal Reserve System and other regulatory agencies in the United States.

• 說明美國金融監理與監督架構，以及監理機關如何執行其職責，以確保金融體系之安全性、健全性與穩定性
  The course covers the regulatory and supervisory framework and how regulatory authorities execute their mandates to promote the safety, soundness, and stability of the financial system.
• 介紹銀行監理與監督之核心概念，包括風險導向監理、實地查核與非現場監控，以及針對問題金融機構所採取之監理工具，如強制措施與即時糾正機制
  It introduces the fundamental concepts of banking supervision and regulation; the risk‑focused supervisory approach; the use of onsite examinations and offsite surveillance; and the supervisory tools used to address problem banking institutions, including enforcement actions and Prompt Corrective Action.
• 學員將能全面理解美國監理與監督制度架構，其制度設計與國際標準接軌，並掌握其在實務運作上的核心邏輯與監理方法
  In summary, participants will gain a comprehensive understanding of the US regulatory and supervisory framework, which aligns with international standards and practices.

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美國外資銀行監理制度與申請規範
Evolution of Foreign Banking Supervision in the United States

本課程說明外資銀行進入美國市場之相關申請與准入規範，並探討其在美國的監理架構與運作方式，同時分析外資銀行（包含臺資銀行）在實務上常面臨之挑戰。
This course discusses the foreign bank entry requirements in the United States and examines how the foreign banks are supervised and the common challenges faced by these organizations including the Taiwan banks.

• 本課程將說明外資銀行於美國市場的重要性，並介紹進入美國市場的不同模式及其申請核准流程
  This course discusses the significance of foreign bank presence inthe United States and explains the different options of entry intothe U.S. market and the approval requirements.
• 說明外資銀行相關主要法規，以及針對大型與小型外資銀行之差異化監理方式
  It also discusses the key foreign bank regulations and thesupervisory approach for large versus small foreign bankingorganizations.
• 探討外資銀行在監理實務中常見之挑戰，包括反洗錢法規遵循等議題
  It highlights the common supervisory challenges faced by foreignbanks including compliance with anti-money launderingregulations.
• 學員將能全面理解美國外資銀行之營運環境、進入門檻與核准程序、監理與監督架構，以及外資銀行（包含臺資銀行）所面臨之主要挑戰
  In summary, participants will gain a significant understanding ofthe foreign banking environment in the United States, the entryrequirements and approval process, the regulatory and supervisoryapproach, and the common challenges faced by foreign banksincluding the Taiwan banks.

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美國銀行監理處分與執法實務
Enforcement Actions and Supervisory Practices in the United States

美國銀行監理機關對銀行的監督，不僅著重於日常監理，也會針對未妥善改善的缺失採取 Enforcement Actions。對在美國營運的外資銀行而言，了解監理機關如何評估問題、採取糾正措施及升級處分，有助於掌握監理要求與降低監理風險。本課程將透過實際案例，介紹美國 Enforcement Actions 的運作方式、常見議題及發展趨勢。
U.S. banking supervision involves not only ongoing oversight but also Enforcement Actions when banks fail to adequately address identified deficiencies. For foreign banking organizations operating in the United States, understanding how regulators assess issues, require corrective measures, and escalate supervisory concerns is important for managing regulatory expectations and risks. Through practical cases, this course introduces the key practices, common issues, and trends related to U.S. Enforcement Actions.

• 了解美國監理機關的糾正與制裁權限，以及Enforcement Actions的主要功能
  Understand the corrective and sanctioning powers of U.S. banking supervisors and the role of Enforcement Actions.
• 掌握監理問題升級為Enforcement Actions的主要考量因素及常見缺失
  Identify key factors for escalating supervisory issues into Enforcement Actions and common deficiencies.
• 區分非正式與正式監理處分的類型、適用情境及揭露要求。
  Distinguish between informal and formal enforcement actions, their applications, and disclosure requirements.
• 透過案例與數據，掌握外資銀行在美國常見的監理議題與Enforcement Actions趨勢
  Analyze cases and data to understand common supervisory issues and Enforcement Actions trends affecting foreign banking organizations in the United States.

_{※ 註：本課程以英語授課 (Note: The course is taught in English)}

台灣金融研訓院院本部 (台北市中正區羅斯福路三段62號)

• 每班次每人新台幣3,600元
• 點數優惠：以愛學習點數報名，享9折點數優惠（324點）。

時間	課程大綱	報名
12/7(一) 13:10-16:00	美國金融監理架構與監管實務 美國金融監理架構概述 Regulatory Framework in the U.S. 聯邦準備體系之核心職能 Key Functions of the Federal Reserve System 受監理金融機構之類型與分類 Types of Supervised Financial Institutions 總體審慎監理與個體審慎監理之比較 Macroprudential versus Microprudential Supervision 風險導向監理模式 Risk Focused Supervisory Approach 社區型銀行、區域型銀行與大型銀行之監理強度差異 Differences in Supervisory Intensity for Community, Regional, and Large Banks 實地查核流程與機制 Onsite Examination Process 非現場監控與持續監測機制 Offsite Surveillance and Monitoring 以監理處分作為監督工具之運用 Using Enforcement Actions as a Supervisory Tool 非正式與正式監理處分之類型與差異 Types of Informal and Formal Enforcement Actions	前往
12/8(二) 13:10-16:00	美國外資銀行監理制度與申請規範 美國外資銀行之市場布局與發展現況 Foreign Banking Presence in the United States 臺灣銀行於美國市場之經營概況 Taiwan Banking Presence in the United States 外資銀行進入美國市場之模式選擇 Foreign Bank Entry Options 外資銀行進入美國之審核與核准程序 Foreign Bank Approval Process 外資銀行相關主要法規架構 Key Foreign Bank Regulations 外資銀行監理模式：大型與小型機構之差異化監理 Foreign Bank Supervisory Approach – Large versus Small Foreign Banking Organizations 常見監理挑戰：反洗錢（AML）法規遵循與內部稽核 Common Regulatory Challenges: Anti Money Laundering (AML) Compliance and Internal Audit 美國對臺灣銀行之監理處分案例分析 Enforcement Actions against Taiwan Banks in the United States 母國與地主國監理合作與協調之重要性 Importance of Home Country-Host Country Supervisory Cooperation and Coordination	前往
12/9(三) 13:10-16:00	美國銀行監理處分與執法實務 銀行未能改善問題時，監理機關的糾正與制裁權限 Corrective and sanctioning powers of banking supervisors when banks fail to correct problems 監理問題升級為Enforcement Actions時的主要考量因素 Factors Considered in Escalating Issues into Enforcement Actions Enforcement Actions 的常見處分面向 Common Elements of Enforcement Actions 公司治理、營運管理及財務狀況 Governance, Operational, Financial 非正式與正式Enforcement Actions的差異 Informal Enforcement Actions versus Formal Enforcement Actions 非正式與正式監理處分的主要類型 Types of Informal and Formal Enforcement Actions 正式監理處分之公開揭露要求 Formal Enforcement Actions are required to be disclosed to the public 公開Enforcement Actions案例解析 Review of a Sample of Public Enforcement Actions 外資銀行組織常見的Enforcement Actions成因（包括在美國營運的臺灣銀行） Enforcement Actions: Common Drivers for Foreign Banking Organizations (including Taiwan banks operating in the United States) Enforcement Actions的數據與發展趨勢 Enforcement Actions: Data and Trend 巴塞爾核心原則第11項：監理機關的糾正與制裁權限 Basel Core Principle 11: Corrective and Sanctioning Powers of Supervisors	前往

_{※ 本院保留變更課程內容之權利，相關異動以網站公告或開班公文為準。}

Walter Yao _{Adjunct Associate Professor}

• Former Director, Financial Institution Supervision and Credit, Federal Reserve Bank of San Francisco (retired Dec 2020)
• Joined FRBSF in 1989; held roles including Supervising Financial Analyst and Accounting Specialist
• Co-chaired the Federal Reserve System’s Accounting Communications Network
• Oversaw key functions:
  • Country Analysis
  • Foreign Banking Supervision
  • Surveillance and Analysis
  • Data Analytics
• Led major initiatives:
  • Federal Reserve delegations to Asia
  • Speaker at international conferences
  • Development of the Asia Program, including:
    • Asian Regulator Training Program
    • FRBSF–Monetary Authority of Singapore Symposium
    • Asia-focused publications, blogs, and podcasts
• Served as Advisor to the IMF
  • Participated in China’s first FSAP (2010)
• Education & Credentials:
  • B.S., UC Berkeley
  • M.S., Carnegie Mellon University
  • CPA, CMA, CFA