【摘要】 在当前状况下,构建金融控股公司是我国商业银行实践混业经营的一种有效的组织模式选择,其原因除了金融控股公司特有的组织结构和经营方式上的特征外,还能有效地避开法律对于混业经营的限制;有效阻断银行、证券、保险和其他金融业务的风险传递;有利于进行金融监管。现阶段以商业银行为主导构建金融控股公司、实践混业经营的过程中,应该把握好若干主要方面,即国有商业银行的股份制改造、组织机构整合与上市;利用兼并、收购、合并等手段实现扩张;对现有不规范的金融控股公司进行规范和完善;还要注重建立内部“防火墙”制度。更多还原

【Abstract】 Under present conditions, Financial-share Holding Company (FHC) is a valid choice of organizational model for commercial banks to carry on joint operation. FHC has shown the characteristics of organizational structure and management pattern. Also, the restriction in law can be efficiently avoided; the transference of risk between any financial businesses can be hold up. Now several problems should be regarded, such as the share innovation of stat-owned commercial bank; organizations and structures appear on market; organizational expansion can be realized by ways of merger, acquisition, combination; the constitution of ″fire wall″ should also be established.更多还原