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金融控股集团的公司治理涉及三个不同层面的制度安排,其中金融控股集团层面的治理在三层治理结构中起关键作用近二十年来,在经济全球化和金融创新的浪潮中,以美欧为代表的发达国家大型金融机构都在转向金融控股公司。综合化经营的商业银行往往通过相关的业务多元化分散风险,但业务范围的扩大也导致了经营结构的复杂化和风险点的增加,加之综合化业务的风险可能高于传统商业银行业务,一旦风险在不同的业务主体之间蔓延,将给综合化经营带来极大冲击。2008年由美国次贷危机引发的国际金融危机,再次将
The financial holding group’s corporate governance involves three different levels of institutional arrangements, of which the financial holding group level governance plays a key role in the three-tier governance structure. In the past two decades, in the wave of economic globalization and financial innovation, Large financial institutions represented by the developed countries are turning to financial holding companies. However, the expansion of business scope also leads to the complexity of business structure and the increase of risk points. Combined with the risk of integrated business may be higher than the traditional commercial banking business, once the integrated business of the commercial banks diversified risk diversification, The spread of risk among different business entities will have a great impact on the integrated operation. The international financial crisis triggered by the subprime mortgage crisis in the United States in 2008 will again