Research On The Risk Of Financial Holding Company

In the ten years before the end of the 20th century, the wave of integrative management of financial system was set off again. Some main developed countries such as American, England and Japan, all of them give up the restrictive rules of separated management of financial system, permit the financial institution carry out integrative management of financial system on financial business including bank, securities, insurance and entrust. Accompany with the development of our country's financial business, the change from separated management of financial system to integrative management of financial system will be the artery trend.The author chooses one form of integrative management of financial system to be the subject investigated, financial holding company and it's risk problem. The author hopes to systemically put forward the control measures towards financial holding company risks and to develop the comprehensive risk management system according by comprehensively identifying and analyzing financial holding company risks.Generally speaking, this thesis works on the following contents:This thesis defines and discriminate the concepts of financial holding company and the other relative concepts, introduces the theoretical reasons of financial holding company ,the theoretical study present condition at home and abroad.This thesis analyses the risk of financial holding company on general business layer and the risk of financial holding company on group layer, develop the general risk management model, the group risk management and the enterprise-wide risk model of financial holding company.This thesis discusses the risk prevention from the internal view of financial holding company, focuses on the internal control flow chart and the internalcontrol regime, develops the enterprise-wide risk model, discusses the supervision pattern and the supervision contents from the external view, suggests develop the according external supervision networks.