Research on Risk Control of China's Financial Holding Companies Abstract With the vigorous development of economy, the financial globalization, the growing financial holding companies and financial management system has become the trend of The Times. The financial holding company of this new financial organization structure, scale economy, dispersive risk, synergy, therefore, the advantages of the comprehensive management gradually becomes the main way of finance. The financial holding company, through "joint venture" operating mode (holdings, a huge profits, but at the same time, because of its complicated internal structure makes it there is a lot of potential risks. Based on events, Dlong financial holding company, the risk analysis which is divided into inner and outer risks, and on this basis, the financial holding company of risk control can be divided into two main risks, namely the company itself and regulators. Due to the different subjects for the financial holding company, so the risk control attention content, objectives and control measures are also different,. The company itself, for the main concern is how to control risk from inside the company, therefore, perfect the corporate governance structure, perfect the internal control system become the preferred, But for the authorities, the concern is how to various methods in the external risk monitoring. Facing the current segregation of regulatory system, the financial holding company proposed a serious challenge; therefore, constructing the system of supervision of financial holding company has become urgent regulatory authorities. Through the internal management and external supervision in two aspects of financial holding companies of risk control are discussed, the financial holding company of this great goal decomposition of risk control for internal and external two goals, to be the purpose of the research, the problems related to the exhausted and countermeasures. Secondly, based on the legal responsibility of the financial holding company are discussed from China, the existing laws and regulations, the financial holding company act in violation of the regulations, but due to China's financial holding company has not related, therefore, in the legislation of financial holding companies and lacking legal responsibility. On the basis of the Taiwan region of the financial holding company, especially about the financial holding company of relief, hoping to improve protection system of financial holding companies of China about responsibility system. The responsibility system of commercial law responsibility system than the more special, both the enhanced obligations system of regulations, also have less responsibility system. Because of the financial holding company subsidiary mostly contains financial institutions, namely the commercial banking, insurance, securities, financial institutions and the people's livelihood, most closely with the subsidiary company, therefore, based on the enhanced obligations system, this paper analyzes the localization of the necessity and feasibility, hopes of financial holding company rules and legal responsibilities. Key words: Financial Holding companies ,Risk Control, Corporate Governance Structure， Legal Supervision ，Legal responsibility

淺析中國金融控股公司的風險控制 中文摘要 隨著經濟的蓬勃發展，金融全球化的日益加劇，使得金融控股公司和全能制經營成為了金融業的大势所趨。金融控股公司這種新型的金融組織結構具有規模經濟，分散風除、協同效應等優势，因此，逐渐成為了金融綜合經營的主要方式。金融控股公司通過“聯合經營，集團控股”的營運模式，獲得了巨大的利潤，但是與此同時，由於其複雜的内部結構也使其存在著大量的潛在風险。 本文結合德隆事件，對金融控股公司的險成因進行分析，將其分為内部風險和外部風險，並在此基礎上，將金融控股公司的風险控制分為兩個風險主體，即公司自身和監管當局。由於主體的不同，因此對於金融控股公司的風險控制關注的内容、目標以及控制手段也各不相同。對於公司自身而言，其關心的主要是如何從公司内部著手控制風險，因此，完善其法人治理結構，健全其内部控制制度成為其首選；而對於監管當局來說，其關注的是如何在公司外部以多種手段監控風險。面對我國現行的分業監管體制，金融控股公司提出了嚴峻的挑戰，因此，構建金融控股公司的監管制度成為了監管當局的當務之急。通過内部管理和外部監管兩個方面對金融控股公司的風險控制加以論述，將金融控股公司的風險控制這一大目標分解為内外兩個子目標，有利於將研究的目的明晰化，使得相關問题的分析和對策有的放矢。 其次，本文還對金融控股公司的法律責任加以論述，中國現行的法律法規入手，對金融控股公司在運營中的違法違規行為加以規制，但是由於中國還沒有對金融控股公司進行相關的立法，因此，在金融控股公司的法律責任上還有所欠缺。本文通過借鑒臺灣地區的《金融控股公司法》，尤其是其中關於金融控股公司的救濟保護制度，希望能完善中國關於金融控股公司的责任制度。商法上的責任制度比起民法上的責任制度較為特殊，既有加重責任制度的規定，也有減輕責任制度的規定。由於金融控股公司的子公司大多含有金融機構，即商業銀行、保險、證券，而這些金融機構子公司大都與民生息息相關，因此，本文對加重责任制度進行了本士化分析，論述了其必要性和可行性，希望能以此規則金融控股公司的法律責任。 關鍵字:金融控股公司，風險控制，法人治理結構，法律監管，法律責任