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中国金融控股公司的模式、风险与监管

作者:胡滨 尹振涛 出版日期:2019年07月 报告页数:25 页 报告大小: 报告字数:19441 字 所属丛书:金融监管蓝皮书 所属图书:中国金融监管报告(2019) 浏览人数: 下载人数:

文章摘要:近年来,在金融混业经营趋势下,国内一些大型金融机构逐步尝试综合化经营,而部分非金融机构也出于自身的利益诉求纷纷涉足金融业务,形成了数量众多、协同程度不一和管理架构各异的金融控股公司。在缺乏有效监管的情况下,一些由金融控股公司所引发的金融乱象不断,金融风险逐渐凸显,对当前中国金融市场稳定带来严峻挑战。本文认为,加强金融控股公司监管需要尽快立法建规,重点规范非金融企业涉足金融业务,采取分类实施和差别监管的方式,理顺金融和实体关系,有效防范... 展开

文章摘要:近年来,在金融混业经营趋势下,国内一些大型金融机构逐步尝试综合化经营,而部分非金融机构也出于自身的利益诉求纷纷涉足金融业务,形成了数量众多、协同程度不一和管理架构各异的金融控股公司。在缺乏有效监管的情况下,一些由金融控股公司所引发的金融乱象不断,金融风险逐渐凸显,对当前中国金融市场稳定带来严峻挑战。本文认为,加强金融控股公司监管需要尽快立法建规,重点规范非金融企业涉足金融业务,采取分类实施和差别监管的方式,理顺金融和实体关系,有效防范系统性金融风险。

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Abstract:In recent years,with the rise of financial integrated operation,China’s large financial institutions have made gradual attempts on integrated operation,while non-financial institutions have also involved themselves in financial business for their own interests,which leads to a large number of financial holding companies or financial groups with different structures and varying degrees of synergy. However,in the absence of effect... 展开

Abstract:In recent years,with the rise of financial integrated operation,China’s large financial institutions have made gradual attempts on integrated operation,while non-financial institutions have also involved themselves in financial business for their own interests,which leads to a large number of financial holding companies or financial groups with different structures and varying degrees of synergy. However,in the absence of effective regulation,financial chaos caused by various financial groups continues and financial risks have become increasingly noticeable,threatening the stability of China’s financial market. It is suggested in this paper that laws and rules should be made to regulate financial holding companies,focusing on the regulation of non-financial institutions involved in financial businesses and regulating different institutions with disparate methods,so as to figure out the relationship between the financial sector and the real economy and to effectively prevent the systematic financial risks.

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作者简介

胡滨:胡滨,法学博士,金融学博士后,研究员,中国社会科学院金融研究所副所长、国家金融与发展实验室副主任,主要研究方向为金融风险与监管、互联网金融与金融科技等。

尹振涛:尹振涛,经济学博士,副研究员,中国社会科学院金融研究所法与金融研究室副主任、国家金融与发展实验室金融法律与金融监管研究基地副主任兼秘书长,主要研究方向为金融风险、金融监管与监管科技。