Financial Holding Company Risk Prevention

Integrated financial services business has become the main trend of international financial business. Most evolved from the separate operation for the integrated management of the countries and regions, consolidated in the financial industry's mode of operation, the general financial holding company model. Financial holding company with economies of scale, scope economies, and many other advantages, worldwide have developed rapidly and vigorously.Meanwhile, the financial holding company specific and complex organizational structure, its risk of conflict of interest and concern about danger to pass, there are many countries and regions have made in the legislation a positive response, have taken measures to prevent conflicts of interest, to avoid Risk. Financial holding companies which have set up a firewall system and continuous improvement.In China, despite the current financial is still in place, "separate operation, separate supervision" system, the law has not yet been clearly defined the legal status of financial holding companies, but, in fact, there are many forms of diversity have been on the national economy plays a vital role the real significance of the financial holding company. Financial holding company legislation to the development of the vacant status quo on the one hand the lack of the necessary legal support and protection, their own economies of scale, scope, efficiency and other advantages of collaboration is difficult to realize, on the other hand, effective regulation, risk prevention and other specific legal inadequate design of the system, easily induced financial risk, which is before us the largest and most urgent need to address the problem. Therefore, we must quickly establish a financial holding company of a firewall system. To build a sound financial holding company of a firewall system, and effective risk, the whole start of this paper is divided into five sections:The first chapter, through the definition of the concept of financial holding companies, the type of risk classification and analysis of financial holding companies, financial holding companies to make brief introduction to the theoretical basis.The second chapter, understanding of the financial holding company system, meaning the firewall, type, and the main content, mainly the establishment of financial holding company of the need for a firewall system.Chapterâ…¢, cited the United States, Japan and Taiwan Financial Holding Company in the main content of the firewall system, the establishment of financial holding companies in China to provide strong firewall system reference.Chapterâ…£, from the design principles and specific content of exceptions and other aspects of the principle of building a firewall of China's financial holding company regime.Chapterâ…¤, finally stressed that the financial holding company firewall, the self-regulatory system, indicating that corresponding measures to be taken in order to play a 'firewall "active role.