The Choice Of Operation And Management Pattern Of China Financial Holding Company

The financial holding company (FHC) is one kind of financial organization system innovation which in the financial liberalization, appears in the management transformation in the developed countries'financial industry between the complete bank system and separated industry management pattern. It mix the financial group industry with each subsidiary company management, thus currently had mixed industry and the separated industry characteristic .The financial holding company has the economies of scale and the economies of scope, can integrate the financial group interior resources effectively and reduce the overall risk and enhances the overall profit goal.In global economic development today, the financial industry may not contain the FHC. This also will be our country financial industry next development mode, in our country the separated industry will be transformed to the mixed industry, the financial holding company will be most favorable pattern to our country's condition.This article take the theories of banking, finance , the enterprise management science and the market marketing as the foundation, utilization methods, standard research and real example research, raise the problem of the financial holding company which exists in our country's operation and management pattern. The first part has first defined the financial holding company's concept, and summarized the summary of study on FHC. This has provided the theory basis for the financial holding company's existence and development. The second chapter has studied the overseas financial holding company's development course and the operation and the management, compares and summarizes the superiority which in its operation pattern and the management pattern. Further draw out our country Finance Holding company operation pattern and the management pattern choice. Third chapter introduced the China financial system transformation and the financial holding company's present situation, has analyzed the main question which our country Finance Holding Company exists. After analyzing the four overseas finance holding company's experience, give some constructive treasures on the operation pattern and the management pattern to FHC in our country.