金融控股公司内部交易产生不良贷款的分析与监管

伴随着各国金融机构由分业经营向混业经营方向发展,金融控股公司无疑成为一种重要的发展模式。内部交易是金融控股公司区别于一般金融机构的重要特征之一。然而,它是一把双刃剑。通过内部交易金融控股公司可以整合其内部的资源,发挥协同效应,获取更多利润。同时,内部交易又会使集团内部被控股的银行子公司形成大量不良贷款,非银行子公司产生道德风险和逆向选择。

Analysis and supervision of non-performing loans from inside transaction of financial holding company

With the development of financial companies of each country from separate management to mixed management,a financial holding company becomes an important development mode.Inside transaction is one of the important characteristics of financial holding company to be different from general financial company.However,inside transaction has advantage and disadvantage,a financial holding company can integrates inside resources,give synergetic effect to full play and obtain more profit by using inside transaction,meanwhile,inside transaction can make the branches of controlled banks of the group have a lot of non-performing loans,and produce moral risk and reverse selection of the branches of non-bank.