【作者】 俞军；

【导师】 张向阳；

【作者基本信息】 东南大学 ， 工商管理， 2005， 硕士

【摘要】 金融控股公司通过机构和业务的融合,实现资源共享和优势互补的协同效应,但同时由于组织结构、内部控制、关联交易等方面的复杂性,导致金融控股公司产生了很多经营风险;而我国现行的法律法规中对金融控股公司未作任何规定,蕴含着极大风险。因而对我国金融控股公司的风险与控制进行研究,不仅具有重要的理论价值,而且对于政府政策的制定和金融控股公司的运作,也具有明显的现实意义。论文首先对金融控股公司风险的形成原因、我国金融控股公司的发展状况、存在的主要问题和风险成因作了阐述,指出除了金融的脆弱性和金融控股公司自身的体制性弊端的原因外,经济转轨时期的制度性因素是我国金融控股公司风险的特有原因。论文以内部控制理论、资产组合理论和监管理论为基础,结合我国金融控股公司风险发展的特性,对如何从宏观管理和微观控制方面构建我国金融控股公司的风险管理体制,给予了详细的论述。论文指出我国经济仍处于转轨时期,我国金融业实行分业经营、分业管理的法制架构,制度性金融风险属于可控的非系统风险,需要从制度的构建与完善的角度来化解。论文的主要结论是:从宏观和微观方面构建风险管理体制,以制度的完善化解制度性金融风险,并健全我国金融混业经营的法律制度和监管体系,才能够有效地控制我国金融控股公司的风险。更多还原

【Abstract】 The financial holding company(FHC) achieves a kind of synergetic effect of mutual resource and predominance by the amalgamation of institution and operation. At the same time FHC produces many risks and ventures because of the complexity of its corporation framework, interior control and relationship trade. Especially,the existing laws and rules in china cannot adapt to FHC.The thesis studies the risk management of FHC,it is not only theoretically valuable but also meaningful to government policy and the operation of FHC.The thesis explicates the causes of the risks of FHC,the development puzzles, risk behavior and causes of Chinese FHC, points out that the main causes of the risks are attributed to the financial fragility, the inherent drawback of FHC and the factor of economy-system revolution.Especially, the last one occupies Chinese feature. Based on the interior control theory,the investment portfolio theory and the government regulatory theory by linking the characteristics of risks of Chinese FHC.The thesis shows a full and particular illustration on how to dominate the risks and ventures from the aspects of macro-regulation and micro-management.The article indicates that the frame of Chinese financial legal system adopts the segregated operation and regulatory,which is attributed to the factor of economy-system revolution.and the system risks can be controlled by reconstructing and consummating the systems. The main conclusions are as follows:Dominating the finance system risks by modulating economic policies, consummating the laws and rules of joint-operation and the financial regulatory system from the aspects of macro-regulation and micro-management are contributed to efficiently controlling the risks and ventures of Chinese FHC.更多还原