As superintendency layer " business of will all banking is brought into superintend " make known one's position last under " vacuum region " -- financial holding company (group) greet proclaimed in writing to superintend method eventually!
In fact, the four seasons was spent last year, the market already again and again hearsay gold accuses to run method there can be no turning back, the time of nearly 8 months went, chinese people bank was released in government-owned net now " method of try out of supervisory management of financial holding company (ask for an opinion to stalk of grain) " (the following abbreviation " method " ) .
" method " the gold that how is in charge of pretty of ministry dividing line to grow after all controls a company (group) , cut off its to cross the orgnaization, contagion that crosses the market, state that cross trade risk? Ensure gold accuses a company to close in order again at the same time compasses manage?
Among them, " method " point out, want firm partner aptitude to superintend, carry the kind of openly detailed list and negative detailed list, the condition that the regulation becomes partner of financial holding company and prohibit behavior. And, those who emphasize waiting to equity and capital is penetrable superintend, prevent to be noted phonily endowment, note circularly endowment.
" method " show, essence of blame banking company, natural person controls two or two above differ type finance orgnaization, reach certain assets threshold, ought to create financial holding company, be attributed to all orgnaization equity that pursue financial business this company to fall, in order to maintain clear and transparent financial equity framework, keep apart financial venture and hypostatic risk effectively. Below this mode, financial holding company and its place accuse an orgnaization to form finance to accuse a group jointly.
Among them, in the group to financial capital total assets takes the industry group than achieve or exceeding 85% , also but according to oneself circumstance, according to " method " the coequal condition of the regulation that creates financial holding company, by industry group parent company application regards finance as holding company, industry group whole is maintained to be finance to accuse a group.
The financial orgnaization that the major servicing of financial holding company is pair of place investment has equity government.
In addition, the fluidity management that strengthens group whole to urge financial holding company and risk canal accuse, make its capable to undertake to what accusing orgnaization of be in harmony of money paid for shares fluidity supports, or to appearing the place of the risk accuses play of orgnaization of be in harmony of money paid for shares to save oneself action, " method " allow financial holding company to be below the premise that wins people bank approval, begin the other finance professional work outside removing equity government.
" method " put forward, financial holding company is the business that pursues investment of financial orgnaization equity and management technically, must not be engaged in be not financial business, with keeping apart financial board strictly piece with industrial board piece, prevent risk across effectively to infect.
Below the premise that keeps apart a risk strictly, to the financial holding company that industry group creates, allow its to invest classics finance management department to maintain the orgnaization related to financial business, but 15% what in principle of value of face of investment amount Zhang must not exceed only asset of financial holding company.
To having the company that does not accord with a requirement, allow its to be in transfer period inside the proportion that adjusts investment to be not financial company stage by stage. Be maintained what accuse a group for finance to industry group whole, 15% what its are not financial total assets not to get total assets of prep above group.
" method " the kind that carries openly detailed list and negative detailed account, made clear the condition that becomes partner of financial holding company. Look from openly detailed list, the main shareholder of financial holding company, control a partner or control a person actually ought to core advocate line of business is prominent, investment motive is sterling, make reasonable finance invest commercial plan, not blind to financial industry dilate, and legal person administers a structure perfect, equity structure and constituent framework are clear, partner, be benefited everybody structure is transparent, management ability is stronger, risk management and built-in control mechanism effective, financial standing is good.
Look from negative detailed list, prohibit clearly the action that financial holding company dominates a partner to be engaged in, and must not become financial holding company the main shareholder, state that control a partner or controls a person actually, for example, once false investment, loop notes orgnaization of capital be in harmony, ever managed failure to financial holding company or financial orgnaization great perhaps violate compasses behavior to have weighty responsibility.
It is financing source true and reliable. Partner of financial holding company ought to invest financial holding company with legal own reserves, must not be not the means such as own reserves and investment fund to invest financial holding company with entrusting capital, debt financing to wait, must not entrust other to perhaps accept other to entrust the equity of hold banking holding company.
2 it is financial holding company ought to accuse orgnaization of be in harmony of money paid for shares with investment of legal own reserves, must not undertake be notinged phonily to financial orgnaization endowment, note circularly endowment, must not smoke escape financial orgnaization capital.
The 3 capital that are pair of banking holding company add up to compasses sex to carry out penetrable managing, check investment to control the financing source of a financial holding company up, check financial holding company to invest the financing source that controls orgnaization of be in harmony of money paid for shares downward.
4 it is to build capital enough sex superintends a system. " method " requirement finance accuses a group to ought to have the sth used to one's own advantage that with its photograph of standard of risk of asset dimensions zephyr gets used to.
Will be a foundation with expressing management next, make finance accuse the specific detailed rules that enough sex superintends a group capital.
Accuse orgnaization of be in harmony of money paid for shares to fall to accuse again to the industry group place that has formed in recent years many kind of financial orgnaization problem, according to give attention to two or morethings play synergism is mixed be on guard the train of thought of the risk, financial holding company accuses directly the main partner that financial orgnaization must not become orgnaization of other type finance again, but this finance orgnaization accuses a perhaps belongs to the financial orgnaization with outspread business to be approbated via financial management department except that is the same as a type with oneself, if the commercial bank accuses a bourg bank or the subsidiary of conduct financial transactions that begin asset management professional work,wait.
To putting an amount, namely " method " before carrying out, exist, the industry group that accords with financial holding company to create a condition, if be in,the scale of the orgnaization related equity structure, investment and financial business, senior administrator holds two or more posts concurrently wait for a respect to was not achieved " method " superintendency requirement of the regulation, classics finance management department agrees, undertake rectifying and reform inside proper time, specific deadline confirms according to the actual condition of industry group by financial management department.
Transfer period when the end, these enterprises should be achieved " method " superintendency requirement, undertake checking and accept by financial management department.
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" method " to money market He Ying rings?
According to " method " requirement, a few industry groups that do not accord with a requirement need to undertake equity conformity, but equity is made over begin in group interior and effective control person did not produce a change, financial orgnaization place suffers an effect finite. To be not financial company character, the company that runs relative standard is overall accord with " method " requirement.
And those violate the finance with plan fast and outspread step to accuse a group through breaking the law, often body estimates big, business miscellaneous, associated risk is high, be necessary to correct its action through be being superintended strictly.
Interview and write: South Wu Mengshan of reporter Tian Jiao
