美国金融控股公司加重责任制度评析

美国金融控股公司加重责任制度的主要内容是,要求金融控硬公司完全或部分地保证其所管理的子公司的清偿能力,要求金融控股公司向其不能清偿债务的子公司重新注入资金,或向政府机构赔偿因子公司经营失败而给公众债权人造成的损失,或赔偿公共保险基金。加重责任制度抑制了金融控殷公司中特有的道德风险问题。加重责任制度存在的问题可以采取一定的措施加以解决。

On the Enhanced Obligation System of Financial Holding Companies in America

Under the enhanced obligations, financial holding companies are called upon to guarantee (in whole or in part) the solvency of their regulated subsidiaries or to recapitalize insolvent subsidiaries or to compensate government authorities for losses that failed subsidiaries impose on public claimants or public insurance funds. Their existence causes are the special moral hazards of financial holding companies. The enhanced obligations can prevent the special moral hazards of financial holding companies. There are some solutions for the problems caused by the expanding obligations.