金融集团化的模式选择与风险控制（Mode selection and risk control of financial conglomerates）.docVIP

金融集团化的模式选择与风险控制（Mode selection and risk control of financial conglomerates） Mode selection and risk control of financial group Abstract: the financial group is helpful to improve the efficiency of the financial system of a countrys allocation of resources and enhance the competitiveness of financial institutions. The increase in product complementarity, scope economy, scale economy and the increase of consumer surplus at the same time, the financial group will have a conflict of interest, the risk of infection, the X and the low efficiency of public safety net free rider problem. However, there are differences of efficiency and risk in different modes, of which the parent company is a pure holding company model is a selection of the most suitable for our country. For the risk control of our financial group, to build a firewall and the implementation of capital supervision is the two most important aspects. Financial group is a new trend in the development of international financial industry. With the fierce competition of the financial industry, more developed countries and emerging market economies to implement the mixed operation system, through mergers and acquisitions and joint implementation of the financial group. Our situation is, in practice, different types of financial institutions and enterprises in different forms to implement financial group strategy, and show their comparative advantage is to attract more organizations to follow up. In theory, Chinas financial industry is in need of technical innovation also need system innovation, but has never stopped in technological innovation, the separated management system has not changed, the innovation of the financial system seriously lags behind the financial industry practice. Obviously, for Chinese financial industry at the present stage, institutional innovation is more important than technology innovation, but also can promote the development of the financial industry. A comparative analysis of different