金融控股公司的发展与监管

目前，金融控股公司已经成为发达国家商业银行的主流公司结构，世界上一些大银行大多是金融控股集团。产业责本和金融资本的融合更是社会经济发展的必然结果，我国金融业也已掀起金融控股公司的浪潮，面对入世后国外金融航空母舰的挑战．加上现行的《商业银行法》也为商业银行混业经营留下了发展空间，在这种形势下，研究金融控股公司的发展情况、研究他的问题以及我们怎么去规范和监管他都有现实意义。

The Development & Supervision of the Financial Holding Company

At present, financial holding company has become the mainstream of company structure of commercial banks in developed countries, most of big banks in the world are financial holding company group. The combination of industrial capital and financial capital is the inevitable outcome of the development of social economy. The wave tide of financial holding company has also been brought about in the financial field of our country. To face the challenge of foreign financial aircraft carrier and the development space of multi management created by the current law of commercial banks, it has realistic meaning to study the development of financial holding company and its problems as well as how to stipulate and supervise it.