金融机构组织创新、风险管理与外部监管研究——以金融控股公司模式为例  

Study on Organizational Innovation,Risk Management and External Supervision of the Financial Institutions——Taking Financial Holding Company as an Example

作　　者：叶维武[1] 张华伦[2] 

机构地区：[1]中国社会科学院研究生院,北京100102 [2]九江学院教务处,江西九江332005

出　　处：《南昌大学学报（人文社会科学版）》2012年第4期86-90,共5页Journal of Nanchang University(Humanities and Social Sciences)

基　　金：国家社科基金资助项目(11BZX048);湖北省社科基金资助项目(E1-018)

摘　　要：随着国际经济一体化进程的加快,作为现代经济核心的金融业也正在向全球化深入发展,这一点集中体现在因内外部环境变化而不断进行的金融机构组织创新方面,其中尤以适应当前金融业综合经营发展需要的金控公司最为典型。金控公司在拥有规模经济、范围经济和协同效应等经营优势的同时,也不得不面临诸多风险,而对这些风险的辨析和管理成为其内部控制的主要内容。在金控公司外部监管方面,我国金融监管部门在设计有关制度安排时应树立金融系统稳定与发展的监管目标,坚持适度从严、适度前瞻的监管原则和健全统一的金融监管模式监管架构。With the acceleration of the process of international economic integration, the financial industry as a modem economic core is under globalized in - depth development, which reflects the financial institutions due to in-ternal and external environmental changes and ongoing organizational innovation, especially in the financial holding companies adapt to the current financial industry business development as a typical example. Financial holding comanies not only have the advantages of economies of scale, economies of scope and synergies, but also have to face many risks, and so discrimination and management of these risks are the main contents of its internal controls. Onexternal supervision of the financial holding company, China＇ s financial regulatory authorities in the design of institutional arrangements should establish the regulatory objectives of financial system stability and development, adhereto the moderately strict requirements and forward - looking regulatory principles and strengthen regulatory framework that is a sound model of unified financial supervision.

关 键 词：金控公司 组织创新 风险管理 外部监管 

分 类 号：F830.22[经济管理—金融学]