On The Business Model And Financial Supervision Of Financial Holding Companies

The development of financial holding company(FHC) is closely link to the choice of segregated and mixed operation of the financial industries of all the country in the world. The trendcy from segregated to mixed operation promotes to the development of FHC. Equally, the study on the segregated and mixed operation also contains the study on the FHC.The initial mode of FHC is BHC, it is a kind of structure innovation that the American financial industries getting out of financial supervision. With the intensification of globalization and internationalized constantly, the keen competition at the international level is carrying on, such as USA and Europe, etc. Thus, form different operation mode of FHC. While in China, because of historical factor etc, there are four kinds of operation modes, such as commercial bank, trust investment company, insurance company etc. To them, should carry on diversified exploration on the basis of insisting on the market principle. To those irregular FHC, should carry on the standardized transformation and to make them perfect.Because FHC operates in several fields, so it is full of financial risks. The risk of FHC consist of systematic, inside story, benefit conflict, capital repeated calculation etc.The western countries have accumulated abundant financial supervision experience in the course of segregated operation towarding to mixed operation. As concerned as China, should established function supervision idea, on supervision system, set up unified supervision system step by step, perfect the supervision of financial risk control of FHC.