论商业银行集团化经营的法律风险及其防控机制

集团化是现代银行最突出的特征之一。银行的集团化发展,可达到协同经营的目标,打破传统金融机构的竞争格局,使集团获得经营一体化带来的好处。但另一方面,复杂的股权关系、组织结构、内部往来、业务合作,也使得银行集团暴露于特殊的法律风险当中。在金融危机后,金融监管的严格化和法律环境的快速变化,使得银行集团面临的法律风险更为严峻。

Legal Risk and Control Mechanism of Commercial Banks Group Operation

Group is the most prominent feature of modern banking,and one bank-led financial group is the Bank Group.The Bank Group can make co-operation effects,break the traditional pattern of competition between financial institutions,and take advantage of business integration.However,the complex ownership relations,organizational structure,internal exchanges,and business partnerships exposes the Bank Group to legal risk.Particularly,in the financial crisis,the strict finance supervision and the rapid change of legal environment make the banking group face more severe legal risks.