我国金融控股公司的成长模式探讨

Discussion on the Development Pattern of the Financial Holding Company in China

我国金融业仍然实行分业经营、分业监管,这己难以适应混业经营的世界大趋势,金融控股公司不失为我国金融业由分业经营迈向混业经营的现实选择。比较了世界各发达国家金融控股公司的运行模式,分析其优劣,结合目前我国金融业经营现状与所处困境,得到结论:我国现阶段应建立以银行业为主体的纯粹性的金融控股公司,努力培养银行、证券、保险自身的核心竞争力,在专业化的基础上逐步开展多元化合作经营,加快产品创新和服务创新步伐。

It remains the separation of operation and the separation of supervision in the financial industry in our country. And it can not be fitted for the trend of mixed operation in the world, and the financial holding company comes to the realistic choice when the operation of our country turns from separation to mixed. The paper compares the pattern of the financial holding companies in the developed countries, analyses the advantages and disadvantages of them and then combines the realistic of the operation of the financial industry in our country, and gets the conclusions as below： It should take the pattern of pure financial holding company with the banks as their principal parts for our coun- try nowadays. We should take efforts to foster the core competitiveness of the banking, security and insurance, carry out the diversified cooperation operation on the basis of the specialization, and enhance the steps of the innovation of production and service.