金融控股公司及其在我国的立法制度构想

目前,我国在金融机构或普通工商企业基础上形成的两类“准金融控股公司”,存在无法可依、实业资本与金融资本相互控制、组建随意、监管缺失、经营无序等混乱现象。为此,迫切需要加强金融控股公司的立法,以促进金融控股公司的风险监管,提高金融效益,保障存款人、投资人的合法权益,促进我国的金融改革和提高金融国际竞争力。构建金融控股公司立法制度要从安全、效益和提高竞争力的角度出发,通过构建准入制度,有利于金融控股公司在我国的发展;构建防火墙制度,有利于防范风险的传递;构建监管制度,有利于监管机构加强监管。

Financial Holding Companies and Proposal on Their Legislative System in Our Country

Now there are two kinds of pseudo-financial holding companies transformed from financial institutions or ordinary industrial and commercial enterprises in our country. These companies are caught up with chaotic situations: no law to go by, mutual control between industrial and financial capital, setting up companies at will, lack of supervision and operation order, etc. Therefore, there is an urgent demand to reinforce the legislation of financial holding companies in a bid to advance the risk management of financial holding companies, raise financial efficiency, safeguard the legitimate rights and interests of depositors and investors, promote our financial reform and improve financial competitiveness in the world. The legislative system of financial holding companies should be based on the principle of safety, efficiency and building up competitive edge. An access system in place will benefit the development of financial holding companies in our countries; a firewall in place system will help prevent risks from transferring and a supervision system in place will enable supervision bodies to exercise supervision.