摘要金融控股公司是我国金融业由分业经营迈向混业经营的现实选择。由于其形成的自发性和随意性，加之庞大的组织结构和复杂的股权关系，使其在经营和管理上存在着一般风险、特殊风险和特有风险。如果这些风险没有得到很好地重视和研究，长期缺乏行之有效的管理措施，则现实和潜在的风险将是巨大的。因此，如何管理、防范我国金融控股公司的风险，促进其健康发展，就成为本文研究的主题。83085

本文基于金融产业组织理论和全面风险管理理论，首先，从我国金融控股公司的特有风险进行了分析，并对其风险管理中存在的若干问题进行了阐述。

其次，本文借鉴国外金融控股公司风险管理的经验，结合我国实际，以先进的风险管理理念为指导，以全方位的风险管理体系、全面的风险管理范围、全程的风险管理过程、全新的风险管理方法、全员的风险管理文化、全部的风险管理概念为核心，对我国金融控股公司的风险管理体系进行了构建。

最后，本文借鉴国外金融控股公司外部监管的经验，对我国金融控股公 司的外部监管模式进行了选择和构建并提出了监管的着重点，为我国金融控股公司构建全面风险管理体系提供了理论上的参考和指导。

毕业论文关键词  金融控股公司；全面风险管理；RAROC

毕 业 论 文 外 文 摘 要

Title Research on risk management of financial holding company                                 

Abstract Financial holding company is the realistic choice for China’S financial industry in the transition from separated operation to integrated operation．However, because the financial holding companies’forming has spontaneity and random, together with its huge organizational structure and the complex stockholder‘s rights relation，cause it has the general risks，the special risks and the unique risks in the management．If these risks haven’t commendably obtained the recognition and researching，and lack the effective risk management measures for a long time，then the realistic and latent risks will be huge．Therefore，how manages and guards against the finance holding companies’risks in China and promotes its health development，become this paper’S researching subject． On the basis of the financial industrial organization theory and the enterprise—wide risk management theory, at first the paper begins with the finance holding companies’ development present situation in China ,analyzes it development situation，types，general risks，special risks and the peculiar risk, and also expatiates the questions existing in the risk management．

Secondly, the paper uses for reference the risk management experiences of overseas finance holding company, and with China's reality, takes the advanced risk management idea as the instruction ,takes the omni—directional risk management system，the comprehensive risk management scope，the entire journey risk management process，the brand-new risk management method，whole staffs' risk management culture，the complete risk management concept as the core． to construct the risk management system of China's financial holding companies．

Finally, this paper uses for reference the exterior supervision experiences of overseas finance holding company to choose and construct the financial holding company’s exterior supervising pattern in China and put forwards the supervision's stress points．So this paper provides the theoretical reference and instruction to construct the enterprise-wide risk management system of China's financial holding companies．

Keywords  Financial holding company；Enterprise—wide risk management；