摘要
为增强国际竞争力、提高经营效益 ,银行混业经营将成为必然趋势。根据我国商业银行和非银行金融机构的经营现状及国情 ,以银行为主组建金融控股公司应是我国商业银行混业经营的理想制度选择。对金融控股公司的风险监管可选择多元化的监管模式 ,用风险目标法对其资本充足性进行监管 ,同时设立内部防火墙和控股公司的集团援助机制。
The bank combination operation will become an inevi ta ble direction in order to enhance the power of international competition and inc rease the benefits.According to the management actuality of our commercial banks and other finacial orgnizations and the situation of our country,building finan c e holding companies,in which the commercial banks will be regarded as the main b ody,should be appropriate choice of institution.The multiform supervision pa tterns may be choosed to monitor the risk of these companies,and the risk-aim m ethod can be used to supervise the degree of capital abundance.At the same time, the mechanism of the inner self-protection and the group assistance should be c onstructed.
出处
《郑州轻工业学院学报（社会科学版）》
2004年第2期27-30,共4页
Journal of Zhengzhou University of Light Industry：Social Science Edition
关键词
商业银行
混业经营
金融控股公司
监管
commercial bank
combination operation
finance holding company
supervision
