Financial Regulation in China and Germany with Special Focus on Banking and Insurance Industries

  • Tomáš Tichý


The financial industry is a special industry with many risks. It is relevant for all agents within the economy and banks and insurance companies play the most important role. In order to regulate the financial markets, a regulatory authority has various standards to formulate and maintain the market system as healthy as possible. Good financial system is an important prerequisite for ensuring financial security. This paper investigates Chinese and German financial markets, focusing on the banking and insurance aspects. Based on comparative analysis of some regulatory treaties, regulatory risks, and prescribed ratios, it was found that the regulation of German insurance markets is worth learning for China, although in some aspects Chinese market performs better after financial crisis than German market.