论我国金融控股公司风险防范法律制度之构建

发布时间：2018-01-10 01:22

本文关键词：论我国金融控股公司风险防范法律制度之构建　出处：《山东大学》2012年硕士论文　论文类型：学位论文

【摘要】：20世纪后半期,金融全球化浪潮不断推进,金融领域国际竞争日趋激烈,金融业综合经营逐步获得各国认同,金融控股公司作为一种高效率的新型组织形式应运而生。目前我国虽没有关于金融控股公司的专门立法,但现实中早已存在各式各样的金融控股公司。金融控股公司是我国金融业从“分业经营”向“混业经营”过渡的的必然选择。金融业本身就是关乎一国经济命脉的高风险行业,而金融控股公司往往采取母子公司式控股组织架构,加之其规模庞大,进行跨国跨行经营,因此,金融控股公司的风险极具特殊性与复杂性,对一国的金融安全和市场稳定意义重大。在我国缺乏对金融控股公司立法的客观情况下,对金融控股公司风险防范法律制度的构建进行的研究,具有重大的现实意义。本文在借鉴国际先进制度经验基础上,结合我国金融实践需要,从内部防范和外部防范两个角度,论述了对我国金融控股公司风险防范法律制度构建的思考。本文运用法经济学、比较分析、实证分析和规范分析相结合的方法,对我国金融控股公司风险防范法律制度的构建进行了较为深入的探讨。本文共四章,主要内容如下：第一章探讨我国金融控股公司的概念界定与模式选择。首先界定了金融控股公司的概念和法律特征,并对金融控股公司的类型进行了分别阐述。接下来分析了金融业综合经营是我国的必由之路,最后论证了纯粹型金融控股公司是我国金融业综合经营模式的最佳选择。第二章分析金融控股公司面临的具体风险。这部分首先分析金融控股公司风险的特殊性,接着阐述金融控股公司的风险的复杂性,金融控股公司面临着资本不足风险、利益冲突风险、不当关联交易风险、传递性风险、垄断风险和透明度风险。我国的金融控股公司更是面临着自身特有的诸多风险。金融控股公司的风险分析使下文风险防范法律制度的构建更有针对性。第三章提出我国金融控股公司风险内部防范法律制度的构想。内部防范法律制度包括公司治理结构和内部控制两方面制度的完善。本文针对我国金融控股公司治理制度的缺陷提出了具体的制度完善建议。在金融控股公司内部控制制度的完善方面,本文建构了一个“两级四层”的风险防范内控组织架构,并对防火墙制度的构建提出了完善建议。第四章提出我国金融控股公司风险外部防范法律制度的构想。这一章首先分析了金融控股公司对传统金融监管制度的挑战,接着论述世界各国监管方式和监管模式的发展,在分析我国现行分业监管体制不足的基础上,对我国金融控股公司监管体制进行完善。之后,本文对金融控股公司市场准入和退出法律制度、资本充足监管法律制度、信息披露法律制度和责任加重法律制度等系列法律制度进行了完善。
[Abstract]:The second half of twentieth Century, the financial globalization, the increasingly fierce international competition in the financial field, comprehensive management of the financial industry gradually to obtain national identity, financial holding company has emerged as a new organizational form of a high efficiency. At present, there is no special legislation on the financial holding companies, but the reality already existed in every kind of financial holding company financial. The holding company is China's financial industry from the inevitable choice to "separate operation" to "mixed operation". The financial industry itself is a high risk industry related to the country's economy, and the financial holding companies usually adopt the parent subsidiary holding organization, combined with its large scale, cross-border interbank business, therefore, financial the holding company risk very particularity and complexity, financial security and market stability in a country of great significance in our country. The lack of financial control The objective situation of stock company legislation, research on building the legal system to guard against the risk of the financial holding company, has a great practical significance. This paper draw on the international advanced system on the basis of experience, combined with China's financial practice, prevention from the two angles of internal and external prevention, discusses on the construction of legal system of prevention the risk of financial holding companies in China.
In this paper, we use law, economics, comparative analysis, empirical analysis and normative analysis to explore the legal system of risk prevention for financial holding companies in China. The four chapters are as follows:
The first chapter discusses the concept of China's financial holding company's definition and model selection. The paper defines the conception and legal characteristics of the financial holding company, and the types of financial holding companies are described respectively. Then analyzed the comprehensive management of the financial industry is the only way which must be passed in our country, the demonstration of pure financial holding company is the best choice the integrated business model of China's financial industry.
The second chapter analyzes the specific risks faced by the financial holding company. The particularity of this part of the first analysis of the risks of financial holding companies, and then expounds the complexity of the risk of financial holding company, financial holding company is facing the lack of capital risk, the risk of conflict of interest, improper related transaction risk, transfer risk, the risk of monopoly and transparency in China risk. The financial holding company is faced with its own unique risks. The risk analysis of financial holding company make the following risk prevention legal system construction more targeted.
The third chapter puts forward the conception of internal risk prevention legal system of China's financial holding company's internal risk prevention legal system includes two aspects of perfecting the corporate governance and internal control system. This paper aims at the defects of the governance system of financial holding company in China and puts forward some concrete proposals. In the improvement of the internal control system of financial holding company, this paper the construction of the internal control risk prevention organization a "two levels and four layers", and build a firewall system to put forward the improvement suggestions.
The fourth chapter puts forward the conception of external legal system to guard against the risk of the financial holding company in our country. This chapter first analyzes the financial holding company of the traditional financial regulatory system challenges, and then discusses the development of the countries in the world the way of supervision and regulation mode, based on the analysis of China's current separate supervision system deficiencies, to perfect the supervision system the financial holding company in China. After that, the financial holding company of market access and exit legal system, capital adequacy supervision legal system, the legal system of information disclosure and the increased responsibilities legal system and other series of legal system to be perfect.

【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.39

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