中(zhong)(zhong)(zhong)證網訊（記(ji)者 李良）全國(guo)(guo)(guo)政協(xie)委(wei)(wei)員、中(zhong)(zhong)(zhong)國(guo)(guo)(guo)人民銀行(xing)(xing)上海總(zong)部副(fu)主任兼上海分行(xing)(xing)行(xing)(xing)長(chang)、國(guo)(guo)(guo)家外匯管(guan)理局上海市分局局長(chang)金(jin)鵬輝6日表示，經他首倡(chang)，全國(guo)(guo)(guo)政協(xie)委(wei)(wei)員、中(zhong)(zhong)(zhong)國(guo)(guo)(guo)銀聯董事長(chang)葛華(hua)勇，全國(guo)(guo)(guo)政協(xie)委(wei)(wei)員、中(zhong)(zhong)(zhong)國(guo)(guo)(guo)人民銀行(xing)(xing)杭州(zhou)中(zhong)(zhong)(zhong)心支行(xing)(xing)行(xing)(xing)長(chang)、國(guo)(guo)(guo)家外匯管(guan)理局浙江省分局局長(chang)殷興山，全國(guo)(guo)(guo)政協(xie)委(wei)(wei)員、上海市金(jin)融(rong)辦(ban)副(fu)主任解冬(dong)附(fu)議，共同提(ti)(ti)交了《關于制定出(chu)臺金(jin)融(rong)控股公(gong)司監管(guan)辦(ban)法的建議》的提(ti)(ti)案。

　　提案建議，加(jia)快金(jin)融(rong)控(kong)股(gu)公(gong)司(si)(si)監(jian)管立法(fa)，明確人民(min)銀行對(dui)(dui)金(jin)融(rong)控(kong)股(gu)公(gong)司(si)(si)的監(jian)督管理職責(ze)，抓住問題突出金(jin)融(rong)控(kong)股(gu)公(gong)司(si)(si)分類(lei)施策，以資本金(jin)來源和防(fang)止不(bu)當關聯(lian)交易為(wei)重(zhong)點，加(jia)強對(dui)(dui)股(gu)東的穿透監(jian)管，切(qie)實(shi)防(fang)范金(jin)融(rong)控(kong)股(gu)公(gong)司(si)(si)風險。

　　金(jin)(jin)鵬輝指出，目前，在(zai)我國實踐中(zhong)已發展形成了兩大(da)類(lei)具有金(jin)(jin)融(rong)(rong)(rong)控(kong)(kong)股公(gong)司特點的機(ji)(ji)構(gou)：第一類(lei)是(shi)由(you)金(jin)(jin)融(rong)(rong)(rong)機(ji)(ji)構(gou)通過投資(zi)(zi)其他行業(ye)金(jin)(jin)融(rong)(rong)(rong)機(ji)(ji)構(gou)形成綜合化(hua)金(jin)(jin)融(rong)(rong)(rong)集(ji)團。第二類(lei)是(shi)由(you)非金(jin)(jin)融(rong)(rong)(rong)企業(ye)投資(zi)(zi)控(kong)(kong)股兩種或兩種以上類(lei)型(xing)金(jin)(jin)融(rong)(rong)(rong)機(ji)(ji)構(gou)，也具有金(jin)(jin)融(rong)(rong)(rong)控(kong)(kong)股公(gong)司特征。部分非金(jin)(jin)融(rong)(rong)(rong)企業(ye)熱衷于投資(zi)(zi)金(jin)(jin)融(rong)(rong)(rong)業(ye)，風(feng)險隔離(li)機(ji)(ji)制缺(que)失，風(feng)險隱蔽性強，不當干預金(jin)(jin)融(rong)(rong)(rong)機(ji)(ji)構(gou)經(jing)營(ying)，一些領(ling)域金(jin)(jin)融(rong)(rong)(rong)風(feng)險有所累積和暴(bao)露(lu)，嚴重損害(hai)了金(jin)(jin)融(rong)(rong)(rong)機(ji)(ji)構(gou)和投資(zi)(zi)者的權益(yi)。

　　但在(zai)目前的(de)(de)分業監(jian)管(guan)(guan)體制(zhi)下(xia)，各(ge)監(jian)管(guan)(guan)部門在(zai)金融(rong)(rong)控股公(gong)司(si)的(de)(de)定義、類型、風險(xian)程(cheng)度、監(jian)管(guan)(guan)主體等問題上存在(zai)一(yi)定分歧，監(jian)管(guan)(guan)盲點和(he)監(jian)管(guan)(guan)缺失(shi)導(dao)致金融(rong)(rong)控股公(gong)司(si)風險(xian)不(bu)斷(duan)累積。因此，制(zhi)定金融(rong)(rong)控股公(gong)司(si)監(jian)管(guan)(guan)規(gui)則是進一(yi)步補齊監(jian)管(guan)(guan)短板、防范化解金融(rong)(rong)風險(xian)的(de)(de)迫切(qie)需要。

　　金(jin)(jin)(jin)鵬(peng)輝(hui)表(biao)示(shi)，提案對(dui)此提出了四點建議：一是加快金(jin)(jin)(jin)融(rong)(rong)控(kong)(kong)股(gu)公(gong)司監(jian)(jian)管(guan)(guan)立法(fa)(fa)。按照急用先行原(yuan)則，可由國(guo)務院金(jin)(jin)(jin)融(rong)(rong)穩定發(fa)展委員會(hui)辦公(gong)室（人(ren)(ren)民(min)銀行）牽頭制定相關規則。短期看，可以以中國(guo)人(ren)(ren)民(min)銀行令的(de)(de)形式，出臺《金(jin)(jin)(jin)融(rong)(rong)控(kong)(kong)股(gu)公(gong)司監(jian)(jian)管(guan)(guan)辦法(fa)(fa)》。從長(chang)期看，為從根(gen)本上提高金(jin)(jin)(jin)融(rong)(rong)控(kong)(kong)股(gu)公(gong)司監(jian)(jian)管(guan)(guan)規則的(de)(de)法(fa)(fa)律(lv)層級(ji)，宜由國(guo)務院頒(ban)布(bu)《金(jin)(jin)(jin)融(rong)(rong)控(kong)(kong)股(gu)公(gong)司監(jian)(jian)管(guan)(guan)條(tiao)例》，將金(jin)(jin)(jin)融(rong)(rong)控(kong)(kong)股(gu)公(gong)司監(jian)(jian)管(guan)(guan)納入到整體(ti)監(jian)(jian)管(guan)(guan)架構體(ti)系中。監(jian)(jian)管(guan)(guan)主(zhu)要內容包(bao)括對(dui)金(jin)(jin)(jin)融(rong)(rong)控(kong)(kong)股(gu)公(gong)司進行市場準入審(shen)批；股(gu)東、資金(jin)(jin)(jin)來源審(shen)查；對(dui)金(jin)(jin)(jin)融(rong)(rong)控(kong)(kong)股(gu)公(gong)司董事、監(jian)(jian)事和(he)高級(ji)管(guan)(guan)理(li)人(ren)(ren)員的(de)(de)任(ren)職資格進行核準；對(dui)金(jin)(jin)(jin)融(rong)(rong)控(kong)(kong)股(gu)公(gong)司進行現場檢查和(he)非現場監(jian)(jian)管(guan)(guan)：對(dui)違(wei)法(fa)(fa)違(wei)規行為進行行政(zheng)處(chu)罰；對(dui)違(wei)反有關監(jian)(jian)管(guan)(guan)規定的(de)(de)公(gong)司和(he)個人(ren)(ren)采取行政(zheng)強制措施等。

　　二(er)是明確(que)人民銀行對(dui)(dui)金(jin)融(rong)控股公(gong)司的(de)(de)監(jian)督管(guan)理職(zhi)責。針對(dui)(dui)金(jin)融(rong)控股公(gong)司監(jian)管(guan)漏洞，研究建(jian)立統籌(chou)監(jian)管(guan)的(de)(de)監(jian)管(guan)架構。依法賦予(yu)人民銀行對(dui)(dui)金(jin)融(rong)控股公(gong)司的(de)(de)監(jian)督管(guan)理職(zhi)責，將其作為(wei)對(dui)(dui)金(jin)融(rong)控股公(gong)司實(shi)施(shi)機(ji)構監(jian)管(guan)和宏觀審慎監(jian)管(guan)的(de)(de)主監(jian)管(guan)機(ji)構，同時行業監(jian)管(guan)部門負責對(dui)(dui)金(jin)融(rong)控股公(gong)司子公(gong)司的(de)(de)監(jian)管(guan)。

　　三(san)是(shi)抓(zhua)住問題突出(chu)的(de)金融(rong)(rong)(rong)控(kong)股(gu)公(gong)司，分(fen)類施策。鑒于目(mu)前我國各類主體(ti)投資(zi)金融(rong)(rong)(rong)業數量繁多，應(ying)按照抓(zhua)大放小原則，從(cong)系統重(zhong)要性角度(du)考慮，將規模較大、風險外(wai)溢(yi)程度(du)較高的(de)機構納入(ru)監管范(fan)疇(chou)。目(mu)前商業銀(yin)(yin)行(xing)主導的(de)金融(rong)(rong)(rong)控(kong)股(gu)公(gong)司已被納入(ru)監管，有(you)關銀(yin)(yin)行(xing)并表處理的(de)監管規定已經實施運行(xing)，風險隱患相(xiang)對較小，其(qi)監管重(zhong)點主要是(shi)銀(yin)(yin)行(xing)與非銀(yin)(yin)行(xing)子公(gong)司的(de)業務(wu)合作。對于保險系金融(rong)(rong)(rong)控(kong)股(gu)公(gong)司、地方政府主導的(de)金融(rong)(rong)(rong)控(kong)股(gu)公(gong)司、民營控(kong)股(gu)金融(rong)(rong)(rong)集團、互(hu)聯網金融(rong)(rong)(rong)集團等，應(ying)予以重(zhong)點關注和監管。

　　四是(shi)以資本金(jin)(jin)(jin)(jin)來源和(he)(he)防止(zhi)不當關(guan)聯交(jiao)易(yi)(yi)為重(zhong)點，加強(qiang)對股(gu)(gu)(gu)(gu)(gu)東的(de)穿(chuan)透監(jian)管(guan)(guan)。厘清股(gu)(gu)(gu)(gu)(gu)權(quan)(quan)關(guan)系(xi)，掌握最終(zhong)受(shou)益人所(suo)有權(quan)(quan)信息，是(shi)金(jin)(jin)(jin)(jin)融控(kong)股(gu)(gu)(gu)(gu)(gu)公司(si)(si)(si)監(jian)管(guan)(guan)的(de)基礎(chu)。要嚴格(ge)股(gu)(gu)(gu)(gu)(gu)東資質和(he)(he)股(gu)(gu)(gu)(gu)(gu)權(quan)(quan)結構(gou)監(jian)管(guan)(guan)，明(ming)晰公司(si)(si)(si)治理結構(gou)，規范金(jin)(jin)(jin)(jin)融控(kong)股(gu)(gu)(gu)(gu)(gu)公司(si)(si)(si)的(de)投資層級(ji)、交(jiao)叉(cha)持股(gu)(gu)(gu)(gu)(gu)、交(jiao)叉(cha)任職(zhi)等；強(qiang)化資本來源真實性和(he)(he)資金(jin)(jin)(jin)(jin)運(yun)用合(he)規性監(jian)管(guan)(guan)，建立有效識別(bie)、計量、監(jian)測和(he)(he)控(kong)制金(jin)(jin)(jin)(jin)融控(kong)股(gu)(gu)(gu)(gu)(gu)集團總(zong)體風險情(qing)況(kuang)的(de)并表監(jian)管(guan)(guan)機制；強(qiang)化關(guan)聯交(jiao)易(yi)(yi)監(jian)管(guan)(guan)，嚴防通過不當關(guan)聯交(jiao)易(yi)(yi)損害(hai)其(qi)他股(gu)(gu)(gu)(gu)(gu)東和(he)(he)客戶的(de)合(he)法權(quan)(quan)益。切實加強(qiang)對金(jin)(jin)(jin)(jin)融控(kong)股(gu)(gu)(gu)(gu)(gu)公司(si)(si)(si)的(de)宏(hong)觀(guan)審慎管(guan)(guan)理、穿(chuan)透式(shi)監(jian)管(guan)(guan)和(he)(he)監(jian)管(guan)(guan)協調，促進(jin)金(jin)(jin)(jin)(jin)融控(kong)股(gu)(gu)(gu)(gu)(gu)公司(si)(si)(si)穩健發(fa)展。