近日，全国人大代表、中国华融董事长赖小民提交了关于加快制订出台《金融控股公司法》的议案。他指出，当前综合金融经营发展大趋势的情况下，迫切需要尽快研究制订出台《金融控股公司法》。

In recent days,The National People's Congress/China huarong chairman of Lai Xiaomin submitted to accelerate the formulation[Financial holding company law]Of the bill.He pointed out that,The comprehensive financial management development trend,Urgent need to formulate as soon as possible[Financial holding company law].

　　2006年，我国明确提出“稳步推进金融业综合经营试点”，金融业开始从“分业”向“综合经营”渐变：银行、保险等多种类型金融机构不约而同地把“金融控股公司”作为自己的发展取向。经过多年的探索实践，逐渐发展出多种较为成熟的金融控股公司形态，也形成了金融业的发展大趋势。

In 2006,,China clearly put forward"Steady progress was made in the financial industry comprehensive management pilot",Financial industry started from"separation"To the"Comprehensive management"The gradient:The bank/All the insurance and various types of financial institutions"Financial holding company"As its development orientation.After years of exploration practice,Gradually developed a variety of relatively mature form of financial holding companies,Also form the development of the industry trend.

　　由于缺少相应的法律规范、市场主体地位不明确、业务创新缺乏正确引导、交叉监管、重复监管与“监管真空”并存等现实问题，在一定程度上制约了我国金融控股公司的健康发展。同时，还可能由于缺乏系统性行业指导、内部风险传递和利益冲突等问题，引发较大的金融风险。

Because of a lack of corresponding legal norms/Market main body status is not clear/Business innovation, lack of correct guidance/Cross regulation/Repeat regulation and"Regulatory vacuum"Such realistic problems as coexist,To a certain extent, restrict the healthy development of financial holding companies in China.At the same time,May also be due to a lack of systematic guidance of the industry/Internal risk transfer and conflict of interest problems,Greater financial risk.

　　因此，议案称，必须在分业监管的基础上，尝试创新更高层次的综合化金融监管制度、机制安排及监管方法，加强风险防火墙建设，有效推动我国金融业综合经营的发展，防范其带来的潜在风险。

so,Bill said,Must be based on supervised respectively,Try to a higher level of integrated innovation system of financial regulation/Mechanism arrangement and supervision methods,To strengthen the construction of risk firewall,Effectively promote the development of the our country financial industry comprehensive management,Prevent the potential risks.

　　赖小民建议，尽快研究制订出台金融控股公司法律制度。由国务院法制办协调，人民银行、银监会、证监会和保监会等监管机构，在全面整理现有涉及分业经营、分业监管的相关立法的基础上，联合起草《金融控股公司法》草案，报全国人大常委会审议通过，成为法律性规范。从而作为《公司法》的特别法，协调好与《公司法》、《商业银行法》、《保险法》、《证券法》等法律之间的关系。《金融控股公司法》草案的起草可借鉴国外的相关立法经验。

Lai Xiaomin advice,As soon as possible to formulate a legal system of financial holding companies.Coordinated by the state council legislative affairs office,The people's bank of China/The China banking regulatory commission/Securities and insurance regulatory commission and other regulators,In comprehensive involves sorting the existing decentralized management/On the basis of differentiated regulatory legislation,Jointly drafted[Financial holding company law]The draft,Submitted to the standing committee of the National People's Congress examined and approved,Become legal norms.Thus, as[Company law]The special law of,Co-ordinate with[Company law]/[Commercial bank law]/[Insurance law]/[Securities laws]The relationship between the legal.[Financial holding company law]Draft the drafting of can draw lessons from foreign experience in legislation.

　　制定特别法是金融控股公司拥有明确法律地位，完善司法环境的必然要求，也是金融法制化建设的必然结果。同时，指导金融控股公司综合化经营、开展业务创新，提升金融业整体水平是特别法的重要使命。此外，完善金融控股公司监督制度，加强综合经营业务防火墙建设，防范集团性潜在风险是制订特别法的重要意义

Formulate special law is the financial holding company has a clear legal status,The inevitable requirement of perfecting judicial environment,Also is the inevitable result of the financial legal system construction.At the same time,Guidance financial holding company comprehensive management/To carry out business innovation,Enhance the overall level of the financial sector is an important mission of special law.In addition,Improve the system of financial holding company supervision,To strengthen the construction of comprehensive business firewall,Guard against mass potential risk is one of the important significance to formulate special law

　　目前，在我国有以下几种形式的金融综合化经营实践：第一种是商业银行在综合金融领域的探索；第二种是保险企业在综合金融领域的探索；第三种是以央企为代表的各类实体经济企业在综合金融领域的探索和实践；第四种是以中国华融为代表的四大金融资产管理公司在商业化转型创新发展过程中，已形成的综合金融经营模式和市场化、多元化、综合化、国际化的转型发展大趋势；第五种是地方政府整合地方金融资源，对控股的地方城市商业银行、信托公司、证券公司进行重组，组建金融控股公司。

At present,In our country, there are several forms of financial integrated management practices:The first is a comprehensive commercial Banks in the financial sector;The second is to explore in the field of comprehensive financial insurance enterprise;All kinds of real economy and the third is a delegate with state enterprises in the comprehensive exploration and practice in the field of finance;The fourth is a delegate with China huarong four financial asset management company in commercial transformation in the process of innovation and development,Has formed the integrated financial management mode and marketization/diversification/integrated/The transformation of international development trend;Fifth is the integration of local financial resources of local government,For controlling the local city commercial Banks/The trust company/Securities firms to restructure,A financial holding company.