金融服务外包的风险控制及其监管研究

Risk Control and Surveillance in Outsourcing Financial Service

金融服务外包是金融领域的新兴业务,从国际范围看,金融服务外包行业正处于行业生命周期的高速成长期,尤其是近年来发展迅猛;目前我国金融业务外包已经开始起步并呈现不断发展的趋势。金融服务外包有利于强化金融机构的核心竞争力、规避经营风险和降低经营成本;但也会带来外包失败、成本增加、收益分配的不确定性、战略泄漏等风险。金融机构自身要加强内部控制防范风险,金融监管部门也应加强监管,要合理限定金融服务外包的范围、规范监管机构的权限与监管程序、规范金融机构选择外包商的基本程序和机制、要求金融机构和外包商建立应急机制,并适度从严监管跨国金融服务外包。

Outsourcing in financial services is a new business in financial arena. Viewed from international perspective, it is in the stage of high-speed growth of industrial life cycle, enjoying drastic development in recent years. So far in China, such business has just started and is being expanded continuously. By outsourcing in financial services, financial institutions can improve their core competitiveness, avoid operational risks and lower operational cost; but at the same time, they may experience outsourcing failure, higher cost, uncertainty in profit distribution, strategy leakage and etc. Financial institutions should tighten their internal control against risks;financial watchdogs should strengthen supervision by reasonably limiting the outsourcing scope, delimiting the authority and procedures for surveillance and prescribing basic procedures and mechanism for financial institutions to choose contractors; urge financial institutions to set up contingency mechanism with contractors and prudently supervise transnational outsourcing in financial services.