财务公司的管理新办法及其应对方略——基于新近修订出台的《企业集团财务公司管理办法》的思考

New Management Methods and Countermeasures of Financial Companies:Reflections on the Newly Revised Administrative Measures for Financial Companies of Enterprise Groups

本文基于我国银保监会在2022年10月修订发布的《企业集团财务公司管理办法》(以下简称《新办法》),探讨了《新办法》的出台背景、制度特征、政策要点与主要变化。《新办法》的实施必将对财务公司未来发展产生深远影响。本文围绕观念认知、职能定位、业务范围、风险监管和公司治理等方面,站在企业集团与财务公司的双重视角,分析提出了应对制度变革的具体措施,以期推进我国财务公司的高质量发展。

Based on the Measures for the Administration of Financial Companies of Enterprise Groups(hereinafter referred to as the "New Measures") revised and issued by the China Banking and Insurance Regulatory Commission in October 2022,this paper discusses the background,institutional characteristics,policy points and major changes of the "New Measures".The implementation of the new approach will certainly have a profound impact on the future development of the financial company.Focusing on the aspects of concept cognition,function orientation,business scope,risk su pervision and corporate governance,and drawing from the dual perspective of enterprise groups and financial com panies,this paper analytically puts forward specific measu res to deal with institutional changes in order to promote the high-quality development offinancial companies in China.