【作者】 邓超红；

【导师】 邵宜航；

【作者基本信息】 厦门大学 ， 世界经济学， 2006， 硕士

【摘要】 20世纪末,经济全球化与金融国际化已经势不可挡。金融控股公司的兴起是美国和欧洲的金融机构在国际范围内激烈竞争的结果。伴随着中国金融体制改革的不断深入和中国加入世界贸易组织(WTO),中国金融融入国际金融体系的步伐越来越快。为了与国际金融市场发展的形势相适应,综合经营是未来中国金融业经营模式发展的必然选择。金融控股公司是提高中国金融机构竞争能力的主要手段,是中国金融机构未来发展的方向和理想的组织结构模式。中国虽然是实行严格的金融分业经营、分业监管的国家,目前尚未对金融控股公司制定明确的立法,但金融控股公司已经在我国经济生活中成为客观实在,金融控股公司处于孕育、发展的初级阶段。理论上,专家学者对金融控股公司的形成机理、特定风险及监管等方面进行了大量的研究,但在立足我国现状探讨我国金融控股公司发展上没有形成系统而完整的论述,在具体发展模式上观点不一。本文在近年来国内外专家学者研究成果的基础上,结合我国金融控股公司发展的实际,参照已经确立金融控股公司制度的美、英等国的典型经验,分析中国发展金融控股公司的必要性和现实可行性,然后系统地考察了当前我国金融控股公司发展存在的问题,提炼出发扬金融控股公司经营优势、规避金融控股公司特有风险的共同特征,指出我国金融控股公司应该走渐进性、多样化的发展道路而非选择某种具体的模式,最后针对性的给出具体的对策。全文共分六个部分。第一部分全面介绍国内外关于金融控股公司的概念和分类,第二部分探讨了金融控股公司发展相关理论,包括金融控股公司发展成因的理论分析和金融控股公司特定风险的理论分析,为论文后面的论述提供理论基础。第三部分分析金融控股公司在发达国家的发展,以期为我国金融控股公司的发展提供可资借鉴的经验。第四部分分析我国发展金融控股公司的意义,包括我国发展金融控股公司的必要性研究和可行性研究,第五部分介绍目前我国金融控股公司发展的现状,剖析我国在发展金融控股公司过程中存在的问题,第六部分提出我国金融控股公司发展思路和具体对策。更多还原

【Abstract】 Ever since the latter half of the 20′century, the economic integration, globalization and the internationalization of capital flow have become an unstoppable trend. The cut-throat competition among American and European institutions led to the rise and development of financial holding companies. With the increasingly deepening of financial institutional reforms in China and it’s entry into WTO, financial holding company model will surely be the direction for which China’s financial institutions are heading, and it will also be the major method with which China’s financial institutions are going to sharpen their competitiveness.Although China is the only country in the world which adopts financially divided operation and supervision, and at present there is no clear defining of financial holding company so far as China’s legislation is concerned , there does exit this type of company in China. Our financial holding company system is still at its initial stage of gestation and development. The experts and scholars have made a lot of research on the financial holding company’s formation , risk and supervision , but a systemic and integrated formula based on China’s practice hasn’t been provided. The viewpoints of the financial holding company’s pattern in China are different.This dissertation integrates China’s development of financial holding companies with the studies and achievements of both domestic and foreign experts and scholars in recent years. By referring to the related materials from the U.S and UK which have already set up the system of financial holding companies, the dissertation conducts a comparative analysis with a view to setting up the integrated frame for China’s financial holding companies so as to make our theory of financial holding companies get more close to reality, our system of financial holding companies more operational, and attempting to offer an original and operational formula for the financial institutional reform in China.The entire dissertation consists of six chapters. Chapter One introduces the definition and classification of the financial holding company. Chapter Two introduces theoretical basis related to financial holding company, including it’s advantage and special risk. Chapter Three Analysis the financial holding companies in the U.S , UK and German, which enlightening the development of financial holding companies in China. Chapter Four Analysis on the necessity and feasibility of thefinancial holding companies’constitution in China. Chapter Five expounds the status and the development problems of the financial holding companies in China. Chapter Six make suggestions to the financial holding companies’s development path in China.更多还原