基于职能约束的财务公司业务创新研究

A Research on Business Innovation of Financial Companies Based on Functional Constraints

企业集团财务公司是一个因改革而生的行业,也是一个因创新而兴的行业。党的十八届三中全会提出了全面深化改革的要求,财务公司应抓住历史机遇积极开拓创新。财务公司的业务创新不能过度和无序,它应该紧紧围绕监管部门赋予其的职能和定位来有序进行。新形势下财务公司应围绕其资金集中和结算职能来进行外币资金池及票据池业务的创新,围绕其金融服务职能来进行投资业务和融资租赁业务的创新,围绕其咨询服务职能来进行综合金融服务方案、保险代理业务及债券承销业务的创新。

Financial companies of enterprise groups are not only an industry born from the reforms,but also an industry prospering due to the innovation. The requirement on comprehensively deepening the reform was put forward at the third session of the 18th CPC Cen-tral Committee. Financial companies need to grasp this historical opportunity and actively explore innovation. The business innovation of financial companies can be neither excessive nor disordered. It should be operated orderly centering on the functions and positioning given by the regulatory authorities. Under the new situation,the innovations of financial companies should focus on their centralized fund and settlement functions for the businesses of foreign currency capital pool and bill pool,on their financial service functions for the businesses of investment and financial lease,and on its consulting service function for the comprehensive financial service plan,the in-surance agency business and bond underwriting business.