Finansövervakning

Finansövervakning refers to the oversight and regulation of financial markets and institutions. The primary goal is to ensure the stability and integrity of the financial system, protect consumers and investors, and prevent illicit activities such as money laundering and fraud. In many countries, this function is carried out by a dedicated financial supervisory authority, often an independent government agency.

These supervisory bodies are typically tasked with a range of responsibilities. They set and enforce rules for financial firms, including banks, insurance companies, investment firms, and stock exchanges. This includes requirements for capital adequacy, risk management, and conduct of business. They also monitor the activities of these institutions to ensure compliance with regulations and to identify potential risks.

Furthermore, financial supervision plays a crucial role in maintaining market confidence. By ensuring that financial markets operate fairly and transparently, it encourages investment and economic growth. In the event of financial distress or failure of an institution, supervisory authorities often have powers to intervene and manage the situation to minimize broader systemic impact. The specific mandates and powers of financial supervisory bodies can vary significantly between jurisdictions, reflecting different approaches to financial regulation and market structures.