论我国金融控股公司监管制度的完善

摘  要
随着市场中竞争趋势的日趋激烈，金融的创新和一体化、科学技术的不断革新、金融体制的变化及管制放松,金融服务业作为各国经济发展的核心，除了在金融业务、金融工具和金融战略方面不断创新,金融机构从提供单一性的金融服务不断地向综合性金融业务方向发展，从分业经营向混业经营发展的趋势日趋明显。鉴于金融控股公司在经营管理上具有较大的优势,美国、日本、英国纷纷对本国金融法律法规进行修改,确认了金融控股公司的法律地位并尽可能给予其宽松的法律环境,由此逐步引发了世界金融经营体制和监管方式的变革。如今,混业经营模式已成为美、英、日等主要发达国家金融体制的主要发展方式。然而, 金融控股公司的集团化经营使其获得了范围经济和规模经济效应的同时，也使其面临的风险不断地积聚与放大,一旦问题爆发,所造成的危害将比一般金融机构大数倍。因此，建立在科学的监管体制和监管手段对金融控股公司的发展至关重要,也引起各国普遍的重视。
本文第一部分系统地介绍了我国金融控股公司的发展现状以及主要存在形式。第二部分则着重强调指出了我国金融控股公司监管制度中存在的问题。第三部分则通过对国际金融控股公司的制度分析，从而得出对我国金融控股公司制度建设的启示。最后一部分则基于前三部分的分析，进而从完善金融控股公司监管的法制建设和道德建设；建立有效的金融控股公司监管体系；主要有:监管对象的确定、建立有效的内控机制、改进金融监管方式、健全金融行业的自律性组织、明确市场准入、退出标准,对集团特有风险的监管。

关键词：金融控股公司； 混业经营； 金融监管

Abstract
With the increasingly fierce competition in the market trends, financial innovation and integration of science and technology innovation, change and control of the financial system to relax. The financial services industry as the core of the economic development of countries, innovation in financial services, financial instruments and financial strategies, financial institutions, from the unity of financial services to the direction of comprehensive financial services, from a separate operation to the Mixedbusiness development becomes increasingly apparent. In view of the financial holding company has more advantages in the management, the United States, Japan, the United Kingdom have their own financial laws and regulations be modified to confirm the legal status of the financial holding company and, as far as possible, given its lax legal environment, which gradually lead tochange of the world's financial management system and regulatory approach. Today, mixed model has become the main mode of development of the United States, Britain, Japan and other major developed countries of the financial system. However, the group management of the financial holding company to obtain the economies of scope and economies of scale at the same time, it faces the risk accumulation and amplification, once the problem broke out, the harm caused by several times larger than the financial institutions in general. Therefore, the establishment of the essential development of the financial holding company in the regulatory system of scientific and regulatory means, but also caused widespread national attention.
The first part of this paper systematically describes the current development of China's financial holding company as well as the main form. The second part focuses highlighted problems in the regulatory system of the financial holding company in China. Third of four parts by the international financial holding company system to arrive at the revelation of the institution building of the financial holding company in China. Finally, is based on the analysis of the first three parts, and thus improve the legal system and moral construction of the regulation of financial holding companies; effective regulatory system of financial holding companies.mainly:Regulatory object, the establishment of effective internal control mechanisms, improve financial supervision approach, improve the financial industry self-regulatory organizations, a clear market access and exit criteria, the risks specific to the Group's supervision.
Key words: Financial holding company   Mixed Operation     Financial supervision

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