【作者】 赖柏林；

【导师】 刘定华；

【作者基本信息】 湖南大学 ， 经济法， 2006， 硕士

【摘要】 我国目前的内部风险防范法律制度应法定化。尽管从国外的实践来看,许多国家并未将“内部风险防范法律制度”作为法定的制度要求,但从中国金融业发展的实际状况和机构人员自律水平来看,内部风险防范法律制度若不作为法定要求并成为监管检查的重要内容,就得不到金融业的足够重视,再完美的制度设计也将流于形式;而且我国金融机构产权结构、治理机制以及一些金融机构仍有"官本位"的缺陷,有追求高风险高收益的冲动。因此,以防范风险为主的内部风险防范法律制度的设置,应当适度从严并以监管当局制度要求为主。内部风险防范法律制度是约束金融控股公司成员间的内部交易,控制风险在各金融分支行业之间相互传递,从而在一定程度上化解金融控股公司混业经营所带来的内部交易问题的内部风险防范制度。内部风险防范法律制度可以有效阻止集团内某个法律实体的风险向集团内的另一个实体渗透与蔓延,而且在实践中也有设立的必要性。监管当局除了要制定内部风险防范法律制度的基本原则与框架,还需要为金融控股公司设计具体的监管指标,指导、约束金融机构具体的风险管理活动,应该对风险管理政策、框架、内容、指标和方法等做出较为明确的规定,根据金融控股公司的风险状况、风险管理能力、资本充足率等设置不同的内部风险防范法律制度,充分调动金融控股公司降低风险、提高风险管理能力以及拥有相应的资本充足率的积极性。更多还原

【Abstract】 We must strengthen nowadays China’s financial holding company’s internal risk protection legal system. By analyzing some practical experience abroad, we can get a conclusion: many countries didn’t make“internal risk protection legal system”as a legal request. But in China, with the present practical situation of financial development and the self-discipline of organ crew, internal risk protection legal system must as a legal request and become an important content in the supervision inspection. If not, this system won’t be attached importance by financial industry, and the perfect system design will become formalistic. Now, China’s financial power structure, manage mechanism and some financial agencies still have the blemish of "officer’s basis”, so there is the impulse of pursuing high risk and high income. Thus, internal risk protection legal system should be strict and should make the supervision authorities’ mechanism requires as an important content.But for the basically principle and frame, supervision authorities also need design the concrete supervision index sign for financial holding company to guide and control financial institutions’ concrete risk management. So supervision authorities should make concrete dictates on risk management’s policy, frame, contents, index sign and methods etc. In order to make financial holding company reduce risk, strengthen risk management ability and with the activity to ensure relevant capital adequacy, according to the risk situation, risk management ability, and capital adequacy of financial holding company, supervision authorities should set up different internal risk protection legal system.更多还原