中(zhong)證網訊（記(ji)者 彭揚）中(zhong)國(guo)(guo)社會科學院(yuan)金(jin)(jin)融(rong)研究所(suo)副所(suo)長、國(guo)(guo)家金(jin)(jin)融(rong)與發(fa)展實驗室(shi)副主任胡濱日前在《金(jin)(jin)融(rong)監管(guan)藍皮書(shu)：中(zhong)國(guo)(guo)金(jin)(jin)融(rong)監管(guan)報告（2019）》發(fa)布會上表(biao)示，對(dui)于(yu)銀行系金(jin)(jin)融(rong)控(kong)股(gu)公司，由(you)于(yu)其各業務板塊均已對(dui)應具體(ti)的監管(guan)部門且(qie)并表(biao)管(guan)理(li)較為嚴(yan)格，集團內控(kong)和運營相對(dui)規范，下一步的監管(guan)重點為按(an)照統一要求搭建金(jin)(jin)控(kong)集團的組織(zhi)框(kuang)架(jia)，且(qie)可(ke)嘗(chang)試性(xing)地開展證券牌照的申請試點。

　　胡濱稱，近年來我(wo)國(guo)金(jin)融(rong)控股公(gong)司(si)發展迅速，綜合(he)金(jin)融(rong)業(ye)務規模不(bu)斷擴大，在滿足(zu)各類企業(ye)和消費者對(dui)多(duo)元(yuan)化金(jin)融(rong)服務需求的同時，提升了(le)服務經濟(ji)高(gao)質量(liang)發展的能力。但(dan)實踐中有一(yi)些金(jin)融(rong)控股公(gong)司(si)，主要是非金(jin)融(rong)企業(ye)投資形成(cheng)的金(jin)融(rong)控股公(gong)司(si)盲目向金(jin)融(rong)業(ye)擴張，存(cun)在監管真空，風險不(bu)斷累(lei)積和暴(bao)露。

　　“針(zhen)對(dui)(dui)不同(tong)類型的(de)金(jin)(jin)融(rong)控(kong)(kong)(kong)(kong)股(gu)公(gong)(gong)(gong)司(si)，需要找(zhao)出各(ge)自(zi)不同(tong)的(de)風(feng)險(xian)點(dian)(dian)和(he)監管(guan)要點(dian)(dian)。”胡濱認為(wei)，對(dui)(dui)于(yu)(yu)銀(yin)行(xing)系金(jin)(jin)融(rong)控(kong)(kong)(kong)(kong)股(gu)公(gong)(gong)(gong)司(si)，由于(yu)(yu)其各(ge)業(ye)(ye)務板(ban)(ban)塊均(jun)已對(dui)(dui)應(ying)(ying)(ying)(ying)具體(ti)的(de)監管(guan)部門且并表管(guan)理較(jiao)為(wei)嚴格(ge)(ge)，集(ji)團(tuan)內(nei)控(kong)(kong)(kong)(kong)和(he)運(yun)營(ying)相對(dui)(dui)規(gui)范(fan)，因此(ci)下一步的(de)監管(guan)重(zhong)點(dian)(dian)為(wei)按照統一要求搭建(jian)金(jin)(jin)控(kong)(kong)(kong)(kong)集(ji)團(tuan)的(de)組織框架，且可嘗試性地(di)開展證券牌照的(de)申請試點(dian)(dian)。對(dui)(dui)于(yu)(yu)非銀(yin)行(xing)系金(jin)(jin)融(rong)控(kong)(kong)(kong)(kong)股(gu)公(gong)(gong)(gong)司(si)，應(ying)(ying)(ying)(ying)注(zhu)(zhu)重(zhong)其內(nei)部的(de)資(zi)金(jin)(jin)運(yun)用，在(zai)提升(sheng)金(jin)(jin)融(rong)板(ban)(ban)塊協同(tong)效應(ying)(ying)(ying)(ying)的(de)同(tong)時，防范(fan)集(ji)團(tuan)內(nei)部的(de)風(feng)險(xian)傳(chuan)染。對(dui)(dui)于(yu)(yu)央企(qi)系金(jin)(jin)融(rong)控(kong)(kong)(kong)(kong)股(gu)公(gong)(gong)(gong)司(si)，應(ying)(ying)(ying)(ying)當科學設(she)定產(chan)業(ye)(ye)與(yu)金(jin)(jin)融(rong)板(ban)(ban)塊之間的(de)資(zi)產(chan)和(he)收(shou)入占比指(zhi)標(biao)，防止(zhi)產(chan)業(ye)(ye)虛化，回歸(gui)金(jin)(jin)融(rong)服務實(shi)體(ti)的(de)本(ben)源。對(dui)(dui)于(yu)(yu)政府系金(jin)(jin)融(rong)控(kong)(kong)(kong)(kong)股(gu)公(gong)(gong)(gong)司(si)則應(ying)(ying)(ying)(ying)重(zhong)點(dian)(dian)關(guan)注(zhu)(zhu)其資(zi)本(ben)實(shi)力與(yu)總杠(gang)桿率(lv)的(de)關(guan)系，規(gui)范(fan)政府投融(rong)資(zi)行(xing)為(wei)，按照市場化和(he)規(gui)范(fan)化要求，合理引導地(di)方(fang)政府運(yun)用金(jin)(jin)融(rong)手段發展地(di)方(fang)經(jing)濟。對(dui)(dui)于(yu)(yu)民營(ying)系金(jin)(jin)融(rong)控(kong)(kong)(kong)(kong)股(gu)公(gong)(gong)(gong)司(si)應(ying)(ying)(ying)(ying)采取審(shen)慎穩(wen)妥的(de)態度(du)，設(she)立更加嚴格(ge)(ge)的(de)準(zhun)入標(biao)準(zhun)和(he)條件(jian)，并將股(gu)東資(zi)質與(yu)出資(zi)來源真實(shi)性作為(wei)監管(guan)重(zhong)點(dian)(dian)，防止(zhi)“脫實(shi)向虛”和(he)“產(chan)業(ye)(ye)虛化”問(wen)題。對(dui)(dui)于(yu)(yu)互聯(lian)網系金(jin)(jin)融(rong)控(kong)(kong)(kong)(kong)股(gu)公(gong)(gong)(gong)司(si)則應(ying)(ying)(ying)(ying)高(gao)度(du)關(guan)注(zhu)(zhu)其新的(de)業(ye)(ye)務模式可能帶來的(de)風(feng)險(xian)敞口(kou)和(he)風(feng)險(xian)維度(du)的(de)異化，更加注(zhu)(zhu)重(zhong)數據(ju)安全與(yu)金(jin)(jin)融(rong)消費者權益(yi)保護，防止(zhi)其潛在(zai)風(feng)險(xian)通過互聯(lian)網客群擴散。

　　此外，在互(hu)聯網科技公司的金(jin)(jin)融(rong)(rong)業務發展問題上(shang)，胡濱認(ren)為，作為一(yi)種新型的金(jin)(jin)融(rong)(rong)控(kong)股公司，加(jia)強互(hu)聯網金(jin)(jin)融(rong)(rong)控(kong)股公司監管既需要考慮統(tong)一(yi)性的監管原則和(he)標準(zhun)，也需要突(tu)出其特殊性。

　　具(ju)體看，胡濱分(fen)析(xi)，首先，互聯(lian)(lian)網科(ke)技(ji)(ji)(ji)企業(ye)(ye)涉足金(jin)融(rong)(rong)(rong)業(ye)(ye)務(wu)必須取得相應(ying)(ying)(ying)的(de)(de)(de)金(jin)融(rong)(rong)(rong)業(ye)(ye)務(wu)牌照(zhao)，并嚴格遵循(xun)當前機構監管和功能監管相結(jie)合(he)的(de)(de)(de)制度框(kuang)架。其(qi)(qi)次，明確(que)互聯(lian)(lian)網科(ke)技(ji)(ji)(ji)公司開展的(de)(de)(de)金(jin)融(rong)(rong)(rong)業(ye)(ye)務(wu)所需要(yao)的(de)(de)(de)資本(ben)金(jin)要(yao)求，鼓(gu)勵(li)其(qi)(qi)充分(fen)發揮科(ke)技(ji)(ji)(ji)技(ji)(ji)(ji)術和應(ying)(ying)(ying)用(yong)(yong)場(chang)景優勢，增強(qiang)金(jin)融(rong)(rong)(rong)助(zhu)力(li)和賦(fu)能作用(yong)(yong)。再次，互聯(lian)(lian)網科(ke)技(ji)(ji)(ji)企業(ye)(ye)應(ying)(ying)(ying)與(yu)(yu)其(qi)(qi)所屬的(de)(de)(de)金(jin)融(rong)(rong)(rong)板(ban)塊進行清晰的(de)(de)(de)隔離(li)，搭建產(chan)業(ye)(ye)與(yu)(yu)金(jin)融(rong)(rong)(rong)的(de)(de)(de)“防(fang)火墻”，而金(jin)融(rong)(rong)(rong)監管政策框(kuang)架應(ying)(ying)(ying)主要(yao)覆蓋(gai)和約束(shu)其(qi)(qi)金(jin)融(rong)(rong)(rong)業(ye)(ye)務(wu)板(ban)塊與(yu)(yu)領域，不應(ying)(ying)(ying)過度拓展到科(ke)技(ji)(ji)(ji)技(ji)(ji)(ji)術和商業(ye)(ye)領域。最后(hou)，為充分(fen)發揮協(xie)同效應(ying)(ying)(ying)，在客戶授(shou)權的(de)(de)(de)前提下，應(ying)(ying)(ying)允(yun)許數據在金(jin)融(rong)(rong)(rong)控股(gu)公司和其(qi)(qi)關聯(lian)(lian)公司之間(jian)合(he)理的(de)(de)(de)流通與(yu)(yu)共(gong)享。同時，為避免金(jin)融(rong)(rong)(rong)控股(gu)公司濫用(yong)(yong)該規則，應(ying)(ying)(ying)賦(fu)予用(yong)(yong)戶充分(fen)的(de)(de)(de)數據權利，形成(cheng)一套系(xi)統化(hua)的(de)(de)(de)數據使用(yong)(yong)規范。