论对我国金融控股公司监管法律制度之完善.pdfVIP

摘 要 在全球经济一体化和金融全球化的推动下，我国金融业最终走向混业经营的趋势已经非 常明朗，相对于其他组织形式而言，金融控股公司是我国金融业从分业经营到混业经营的一 个最优制度选择。从实践来看，金融控股公司在我国的发展已初具规模。然而，现行的由我 国银监会、证监会、保监会三个机构分别实施的机构监管已经跟不上金融控股公司的发展状 况，不能对其进行有效监管。我国对金融控股公司的监管存在着诸如缺乏相应的法律、法规； 各金融监管机构之间的协调机制不完善；监管方式落后等系列问题，影响了我国金融监管的 效果。国际上对金融控股公司采取的伞形监管制度、统一监管制度、“双峰”式监管制度， 对我国的金融控股公司的监管起到了一定的借鉴作用。其中对金融控股公司的功能监管方 式、重视监管信息的采集和分享、强调不同监管部门之间的协调与合作、注重对金融控股公 司的资本充足率和关联交易的监管等监管制度都对我国提供了有益的启示和借鉴作用。在完 善我国金融控股公司监管法律制度时，除了要借鉴国外的先进经验和先进制度，亦要注重本 国金融的现实环境。逐步实行金融监管的改革，建立符合我国金融现状的伞形监管制度，完 善对金融控股公司监管的法律制度。 关键字：金融控股公司、伞形监管制度、统一监管制度 I Abstract It is very clear that China ’s financial industry will ultimately move toward mixed operation because of the global economic integration and financial globalization . Compared with other forms of organization, financial holding company is Chinas best choice to transit from divided operation to mixed operation. Practically speaking, FHC has begun to take shape in China . However, our supervision by CBRC, CSRC and CIRC on FHC has seriously lagged behind. There are lots of questions to deal with, such as a lack of appropriate laws and regulations, the unsatisfied coordination between financial regulators and the backward of the way to regulate. These problems have affected the effectiveness of Chinas financial supervision. The umbrella or unified regulatory system, and Twin Peaks-style regulatory system abroad have set good examples for us. Especially, their way to regulate the functions of the FHC, and their attention paid to the collection and sharing of regulatory information, the coordination and cooperation between different regulators, and FHCs capital adequacy ratio and the as