商业银行集团法律风险防控机制研究  

A Research on Group Legal Risk Prevention and Control Mechanism of Commercial Banks

作　　者：张炜[1] 刘泽华[1] 

机构地区：[1]中国工商银行法律事务部

出　　处：《金融论坛》2011年第7期3-9,共7页Finance Forum

摘　　要：本文在深入调研国际大型银行集团法律风险管理经验的基础上,归纳出中国商业银行集团面临的主要法律风险:多法域司法管辖和跨行业监管规制增加法律风险暴露的广度与深度;复杂的集团架构加大公司治理机制与股东意志传导路径的构建难度;集团风险的内部传导效应对法律风险分散管理模式提出挑战;监管改革最新导向及集团统一品牌策略使金融消费者权益保护的重要性凸显;集团跨机构业务协同发展对利益冲突防控机制的缺失提出挑战。基于此,商业银行应推进法律事务工作体制改革,加强集团法律风险并表管理,构建总法律顾问制度,完善公司治理机制。On the basis of deeply surveying the experience of international bank groups in managing legal risk, the paper sums up the main types of legal risk encountered by Chinese commercial bank groups： multi-field jurisdiction and cross-industry regulation increase the breadth and depth of legal risk exposure; complex organizational structure of bank group aggravates the difficulty in establishing transmission path between corporate governance and shareholder appeals; the internal transmission effect of group legal risk challenges the decentralized management mode of legal risk; the new trend of regulation reform and united group-wide brand strategy highlight the importance of rights protection of financial consumers; collaborative development of various institutions in one group challenges the lack of prevention and control mechanism of interest conflicts. In view of the above-mentioned risk types, commercial banks should accelerate mechanism reform concerning legal affairs, strengthen the group legal risk of consolidated statements management, establish general counsel mechanism and improve corporate governance.

关 键 词：商业银行 集团法律风险 并表管理 法律风险管理体系 

分 类 号：D922.281[政治法律—经济法学] F832.2[政治法律—法学]