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1、外文翻译OutsourcinginFinancialServicesMaterialSource:BusinessCreditOctober2005,Vol.107,No.9,64-70Author:TheJointForum1ExecutiveSummaryFinancialservicesbusinessesthroughouttheworldareincreasinglyusingthirdpartiestocarryoutactivitiesthatthebusinessesthemselveswouldnormallyhaveundertaken.Industryresea
2、rchandsurveysbyregulatorsshowfinancialfirmsoutsourcingsignificantpartsoftheirregulatedandunregulatedactivities.Theseoutsourcingarrangementsarealsobecomingincreasinglycomplex.Outsourcinghasthepotentialtotransferrisk,managementandcompliancetothirdpartieswhomaynotberegulated,andwhomayoperateoffsho
3、re.Inthesesituations,howcanfinancialservicebusinessesremainconfidentthattheyremaininchargeoftheirownbusinessandincontroloftheirbusinessrisks?Howdotheyknowtheyarecomplyingwiththeirregulatoryresponsibilities?Howcanthesebusinessesdemonstratethattheyaredoingsowhenregulatorsask?Tohelpanswertheseques
4、tionsandtoguideregulatedbusinesses,theJointForumestablishedaworkinggrouptodevelophigh-levelprinciplesaboutoutsourcing.Inthispaper,thekeyissuesandrisksarespeltoutinmoredetailandprinciplesareputforwardthatcanserveasbenchmarks.Theprinciplesapplyacrossthebanking,insuranceandsecuritiessectors,andthe
5、internationalcommitteesinvolvedineachsectorTheBaselCommitteeonBankingSupervision(BCBS),theInternationalOrganizationofSecuritiesCommissions(IOSCO)andtheInternationalAssociationofInsuranceSupervisors(IAIS).maybuildontheseprinciplestooffermorespecificandfocusedguidance.Selectedinternationalcasestu
6、dies(seeAnnexA)showwhythesequestionsmatter.Todayoutsourcingisincreasinglyusedasameansofbothreducingcostsandachievingstrategicaims.Itspotentialimpactcanbeseenacrossmanybusinessactivities,includinginformationtechnology(e.g.,applicationsdevelopment,programming,andcoding),specificoperations(e.g.,so
7、measpectsoffinanceandaccounting,back-officeactivities&processing,andadministration),andcontract11functions(e.g.,callcentres).Industryreportsandregulatorysurveysofindustrypracticeindicatethatfinancialfirmsareenteringintoarrangement
