金融集团审慎监管框架建设的国际经验与启示  

International Experience and Enlightenment of Prudential Regulatory Framework Construction of Financial Groups

作　　者：凌云 LING Yun(Jinan Branch of People's Bank of China)

机构地区：[1]中国人民银行济南分行

出　　处：《中国商论》2021年第19期110-112,共3页China Journal of Commerce

摘　　要：随着金融业务向综合性发展,产业资本与金融资本不断融合,混业金融集团面临高杠杆率、关联交易、风险传染、监管套利等问题。目前我国的分业监管体制在处理混业金融集团的风险时有一定的局限性。本文选取发达国家中比较有代表性的金融集团审慎监管框架进行分析,并提出了构建我国金融集团审慎监管框架的政策建议,以供参考。With the comprehensive development of fi nancial business and the continuous integration of industrial capital and fi nancial capital,mixed fi nancial groups are facing a series of problems,such as high leverage,connected transaction,risk contagion,regulatory arbitrage and so on.At present,China’s separate supervision system has some limitations in dealing with the risks of mixed fi nancial groups.This paper selects the representative prudential regulatory framework of fi nancial groups in developed countries for comparative analysis,and puts forward some policy suggestions as references on the construction of prudential regulatory framework of fi nancial groups in China.

关 键 词：金融混业经营 金融集团 审慎监管框架 

分 类 号：F830.2[经济管理—金融学]