随着经济全球化和金融市场国际化背景下金融机构之间竞争的日益加剧，为取得竞争优势与市场占有率，我国的各类金融机构兼并重组，形成了多元化金融集团。这种多元化的金融集团是以金融控股公司模式存在的，有利于各类控股子公司共享资源、降低成本、增强整体竞争力。但金融控股公司由于控制金融资源过多，对整体社会经济的影响力过强，其发生系统风险的危害性也比较大。如何实现对金融控股公司模式的风险监控，让金融控股公司在经济和金融全球化环境下健康发展是亟待解决的问题。%With economic globalization and internationalization of financial markets, competition among financial institutions is increasing intensely. In order to obtain competitive advantage and market share, China＇s various financial institutions are merging and restructuring to the diversified financial group. The diversified financial group exists with the financial holding company model, and is conducive to all kinds of subsidiary to share resources, reduce costs and enhance overall competitiveness. However, the financial holding company control over financial resources community, social and economic impact on the overall force is too strong, the danger of systemic risk of its occurrence is relatively large. How to realize the risks monitoring of financial holding company model and make the financial holding companies develop healthily is the problem to solve urgently.
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