金融服务外包风险治理机制及管理框架构建

The Risk Governing Systems of Financial Outsourcing Service and the Management Frame Construction

在回顾国内外对服务外包风险管理研究文献的基础上,对金融服务外包风险的治理特性和治理机制进行了分析,认为金融服务外包存在复杂的委托—代理关系和多重信息不对称,风险形成机制复杂,其治理的主要目标是保证金融机构的安全和稳健经营,治理机制设计应兼顾外部治理和内部治理,应更多地协调和关注利益相关者。金融服务外包风险管理必然涉及公司治理和内部控制,通过三者的有效链接,构建了外包风险管理框架,提出了一个新的研究途经。

Based on reviewing the research documents of risk management of the domestic and international out-sourcing services, this paper analyzes the governance characteristics and the governance mechanism of financial outsoureing service risk . It consideres that the existence complex entrusting between the agency relationship and the variety information asymmetry, and the mechanism of risk forming are complex. The main objective of governance is to ensure the financial institutions safety and steady management. The design of governance mechanism should take into account external and internal governance, and the stakeholder should be more coordinated and concerned. The management of financial risk outsourcing services inevitably relates to the corporation governance and internal controlling , it constructs the risk management framework of outsourcing and puts forward a new research approach.