论金融控股公司的建立模式与风险监管

金融服务业的变革和一体化 ,促进了金融集团及金融控股公司的发展。我国金融业经营机制的转变 ,要求以银行为主成立规范的金融控股公司。我国金融控股公司应采取纯粹控股公司的形式 ,并以集团化为发展目标。在风险监管上应选择多元化的监管模式 ,从传统监管方法转向风险目标法 ;要制定对金融控股公司资本充足性监管的指南 ,建立内部“防火墙”和援助机制。

Organization Model and Risk Regulation for Financial Holding Companies

Reforms and the tendency of integration in the financial service industry give impetus to the development of financial conglomerates and financial holding companies (FHC). Changes in China's operational mechanism in the financial industry entail the establishment of standardized, bank-centred FHC. It is argued that China's FHC should adopt the model of complete and pure holding company with conglomeration as its goal of development. As for risk regulation, a diversified mode of regulation should be set up and the traditional means of risk regulation replaced by object-oriented risk analysis. Besides, it is necessary to produce supervisory guidelines for capital adequacy and set up internal fire walls and aid mechanism.