中国金融控股公司立法体例选择的探讨

On the Legal System of Chinese Finance Holding Company

本文简要分析了有关国家和地区金融控股公司的立法体例 ,认为发达国家的公司组织及金融业的发展都进入了较为成熟的阶段 ,一般是从放松金融管制和规范金融业一体化服务的角度允许设立金融控股公司 ,没有必要再从企业组织法的角度对其进行规范。而中国公司的规范化发展及金融业发展的时间都较短 ,金融业的市场化程度较低 ,特别是金融业中的国有商业银行所占比重太大 ,需要进行以组建金融控股公司为目标的股份制改造 ,加之目前在缺乏立法规范的情况下组建的金融控股公司在运行中产生的诸多问题需要解决 ,有必要以《金融控股公司法》这种专门立法的方式规范金融控股公司的组建与运行 。

The paper analyzes the legislative system of some countries and areas, and points out that developed countries' company organization and finance industry have become very advanced, they set up holding company in order to relax finance restriction and prescribe finance's whole service, so it is not necessary to rule it by company organization law. However, Chinese company and finance industry is just developed in recent years, and the finance market is not fully deceloped, especially in finance industry national commercial bank accounts for too much proportion. So it is necessary to make stock system reformation for the purpose of establishing finance holding company. At present, with legislative rules absent, we will meet too much problems when we establish finance holding company, so it is necessary to make such special law as Finance holding company law to establish and function the finance company law.