混业经营条件下金融控股集团的风险管理模式

Risk Management Model of Financial HoldingGroup under Mixed Operation

当前,我国经济发展步入新常态,传统金融企业的发展速度开始下降。但随着各项金融改革不断深化,金融管制逐步放松,金融创新步伐加快,银行、证券、保险、信托等行业之间彼此渗透、相互融合,混业经营将成为一个趋势,金融控股集团将成为金融新常态下的重要运营模式,中信集团、光大集团、平安集团等就是其中的典型代表。由于金融控股集团横跨多个行业,与纯粹分业经营的金融企业相比有着不同的风险特征,探索适合我国金控集团的风险管理模式,推进全面风险管理体系建设,不仅是国家深化金融改革所关注的重点,也是金控集团能否持续、健康发展的关键问题。

China’s economy has entered a new normal with the decline of growth in traditional financial enterprises.Financial Holding Group has become an important business model under the new norm in the financial market.Due to its special characteristics different from the traditional enterprises,a comprehensive risk management model for Financial Holding Groups operation is of great importance for financial reform and for the sustainable and health development of Financial Holding Groups.