Holding Group Of China's Financial Risk Management Study

With the development of economy and financial globalization , there has been a new organization—financial holding company ,which is also the important way to increase the ability of competition. While financial holding company is a sword with two sides , it will exerts its advantage of economies of scope and scale if develops well, otherwise it will cause new and huge risk, even affects the whole nation's safety. There are kinds of financial holding companies in our country, the academic has made sure that the financial holding company is main model to realize mixed operation"the eleventh-five plan"puts up forward ,experience in propelling finance industry to mix operate, which signifies that finance industry will turn from divided operation into mixed operation. So setting up financial holding company will more flourish in our country. While financial holding company in our country confronts some risk because of external and internal aspects. It will benefit finance industry in our country from establishing scientific risk management system through absorbing lessons of sophisticated financial holding company.The text consists of four chapters, the first chapter divides into three sections, including the meaning of choosing topic, overview of financial holding companies risk management and research method etc.Chapter 2 comprises three sections, development of financial holding company, risk type of financial holding company, risk management practice of foreign financial holding company and enlightenment to financial holding company in our national, which provide the theory foundation and realistic reference value risk management experience for financial holding company in our nationChapter 3, present condition analysis of the finance holding company risk management in our nation. This chapter describes development present condition of financial holding company in our nation and its characteristics first, which lay a foundation for section 2 that why various risk appear in financial holding company in our nation at the present stage. That indicate the exterior environment of financial holding company in our nation, law defect and superintendence inefficiency. at such a particular stage,which special risk the financial holding company in our nation face to have been researched in detail in the chapter. Chapter 4, set up the ways of optimizing risk management. of financial holding company in our nation .At first in the chapter introduce the portfolio theories and its idea for risk management of financial holding company in our nation .In second section ,in order to optimize approach of risk management, puts forward the related suggestion, aiming at problems in risk management of financial holding company in our nation currently. suggests set up scientific risk management system, including risk management idea, organization, procedure, tools and internal-control etc. thus make financial holding company in our nation keep on developing healthily.The paper learns from ERM, and takes the idea of integrated risk management into financial holding company's risk management, suggests creatively practicing integrated risk management from subsidiary company and parent company with risk relation and industry relation.