Public Policy and the Changing Nature of Canadian Banks
The Empire Club of Canada Addresses (Toronto, Canada), 7 Apr 2005, p. 318-330
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Public Policy and the Changing Nature of Canadian Banks

An outline of the speaker's views concerning the key forces that are shaping the legislative and regulatory framework. Mergers between big banks in Quebec and Ontario. Three important currents that characterize the national legislative and regulatory framework. Political dimensions. Public policy objectives that guide elected officials and civil servants when they set up the laws and regulations governing the industry. The importance attached to these objectives. The factors that helped banks grow during the post-war period. Some history. Some facts and figures about the financial industry and services and the differences between Ontario and Quebec. Implications of the current landscape for banks. Public policy considerations. Some words on the bank-insurance model. Conclusions.