文档介绍：国有商业银行构建金融控股公司的现实意义与借鉴探索
内容题要
面对入世后金融业开放带来的严峻挑战以股改上市为现实契机本文论述
国有商业银行构建金融控股公司的现实意义与借鉴探索认为金融控股公司模式
是我国国有商业银行现实的可行的选择
金融控股公司拥有规模经济效应和范围经济效应金融机构之间较低的资产
专用性使得金融行业更适合采取该模式同时它也充分体现了资源配置效率和
组织结构方面的优势
我国国有商业银行选择金融控股公司具有现实意义入世背景下金融控股
公司模式的产生发展是必然的和可行的其建立成为不良资产问题解决的契机和
出口并将助力改制上市
德国全能银行模式有悖于我国国情日本模式直接出资设立的新公司涉足其
他金融领域的构建路径可以成为有益借鉴美国的伞式监管可移植性以花旗集
团为例商业银行为核心的纯粹型金融控股公司模式是兼顾效率安全的选择
就国有商业银行构建金融控股公司的操作探索有如下建议国有商业银行积
极稳妥地推进金融控股公司操作试点有效度量控制资本不足关联交易等风险
确立对金融控股公司的监管制度安排和组织结构完善法律法规依据是银监会
证监会保监会及央行必须共同面对的当务之急
主题词金融控股公司国有商业银行股改上市风险控制
Abstract
Facing the challenges following financial industry open-up due to the WTO entry,
on the practical conditions of shareholding system reform and going list, FHC
(financial pany) is the prime choice.
FHC has the superiority of scale and scope economy effects. Financial
institutions are more suitable to this mode due to their lower asset-specificity in
capital, information and entrepreneurship. Meanwhile, the advantages in resources
distribution efficiency anization structure represent transaction cost economy.
Chinese state-mercial banks adopting FHC would take on realistic
significance. WTO entry promises that mixed operation would dominate the tendency.
The establishment of FHC provides favorable chance for dealing with the bad loan
problems. Based on better governance structure, pany mode would
accelerate reform and going list pace which is benefit to Chinese capital market.
Germany mode is against our practical legal system at present. The character of
Japan mode is investing in a pany to entering into another financial business
sectors and satisfying the expansion need. This establishment route is a good example
for Chinese state-mercial banks. The umbrella supervision of . mode is
transplantable. As the typical pure FHC based mercial bank, Citi-group Inc.
keeps away from legal limitation and divides the functions and risks of different
businesses, winning both financial