加拿大银行业资产高度集中，六大商业银行持有超过90%的金融资产。加拿大政府对金融业的管理涉及中央银行、财政部和金融机构监管署三个部门。加拿大实施联邦和省两级平行的金融监管体系，并逐渐形成明确的职能分工和清晰的权责体系。联邦层面对银行体系的金融风险监管主要集中于金融风险体系，而省级层面的金融风险监管则主要集中于金融服务体系。加拿大的金融风险管理水平和风险控制能力很高，其金融服务和金融监管体系专注于平衡合理稳定的金融基础设施建设，强调流动性管理责任方。但是由于消费者负债率高企、房价上涨等因素，加拿大经济金融风险敞口日渐加大，导致2013年穆迪公司将加拿大六家最大商业银行评价全部下调，这对加拿大银行业的金融风险管理和金融监管工作提出了新的任务和挑战。
the Canadian banking assets are highly concentrated because the six major commercial banks hold more than 90% of financial assets. The Canadian financial management relates to the three Department which includes the central bank，Ministry of Finance and the financial institutions regulatory agency. The Canadian federal and provincial financial regulatory system have two parallel levels，implementation of financial supervision system gradually division of functions and responsibility system. Financial risk supervision in the federal banking system mainly focus on the financial system risk，and financial risk supervision of provincial level is mainly focused on financial service system. The level of financial risk management and risk control ability of Canada is very high，the financial services and the financial regulatory system are focused on the financial infrastructure construction reasonable balance stability，which emphasis on liquidity management responsibility. But due to the factors of consumer debt rate high，prices rise，the Canadian economy financial risk exposure is gradually increasing，so Canada’s six largest commercial bank evaluation are all down by Moodie in 2013，which put forward new tasks and challenges for the Canadian banking financial risk management and financial supervision.
