中(zhong)(zhong)(zhong)證網訊（記者 彭(peng)揚）全(quan)國人大(da)代表(biao)、中(zhong)(zhong)(zhong)國人民銀行(xing)鄭州中(zhong)(zhong)(zhong)心支行(xing)行(xing)長徐諾金(jin)建議(yi)，完善金(jin)融控股公(gong)司宏(hong)觀審慎管理框架。

　　徐(xu)諾金(jin)(jin)認為(wei)，整體(ti)來(lai)(lai)看，完善的(de)金(jin)(jin)融(rong)控股公(gong)司宏觀審(shen)慎管(guan)(guan)理框架(jia)既要求對金(jin)(jin)融(rong)控股公(gong)司這種新的(de)組織形式“管(guan)(guan)起來(lai)(lai)”，同時也要“管(guan)(guan)得(de)好”。目(mu)前，“管(guan)(guan)起來(lai)(lai)”已經(jing)完成，下(xia)一步需從“管(guan)(guan)得(de)好”層面(mian)下(xia)功夫。對此，他建(jian)議結合我國經(jing)濟金(jin)(jin)融(rong)發展、金(jin)(jin)融(rong)結構及監(jian)管(guan)(guan)現狀，從細化外(wai)部(bu)(bu)監(jian)管(guan)(guan)規則和提升(sheng)內(nei)部(bu)(bu)治理能力兩方面(mian)著手。

　　在細(xi)(xi)化金融(rong)控股(gu)公(gong)司外部監管(guan)(guan)規則方(fang)面(mian)(mian)，徐諾金建議，一方(fang)面(mian)(mian)，對照(zhao)《金融(rong)控股(gu)公(gong)司監督(du)管(guan)(guan)理試行辦法》，在資本管(guan)(guan)理、并(bing)表管(guan)(guan)理和(he)關(guan)聯(lian)交易等方(fang)面(mian)(mian)進(jin)一步細(xi)(xi)化相關(guan)規則。另一方(fang)面(mian)(mian)，考慮(lv)到金融(rong)控股(gu)公(gong)司具有一定的系統重(zhong)要性，需(xu)進(jin)一步建立完(wan)善金融(rong)控股(gu)公(gong)司的處置和(he)退出機制，加(jia)強反壟斷(duan)監管(guan)(guan)，有效保護(hu)金融(rong)消費(fei)者(zhe)權益(yi)。

　　徐諾金建議，按(an)照“實(shi)質重(zhong)于(yu)形式”原則(ze)，以實(shi)質控(kong)制為基礎，完善(shan)(shan)并表管(guan)理細(xi)則(ze)；完善(shan)(shan)金融控(kong)股公(gong)司資本管(guan)理細(xi)則(ze)，建立(li)健(jian)全資本管(guan)理體系(xi)；建立(li)完善(shan)(shan)金融控(kong)股公(gong)司的市場化(hua)處(chu)置機(ji)制和破(po)產重(zhong)組機(ji)制；建立(li)清晰健(jian)全的金融消費者保護法律框架，強(qiang)化(hua)反壟斷監管(guan)。

　　在提升金(jin)融(rong)(rong)控(kong)股(gu)(gu)公(gong)(gong)(gong)(gong)(gong)(gong)司(si)(si)(si)治理(li)(li)(li)能(neng)(neng)(neng)力方面，徐諾金(jin)認為，金(jin)融(rong)(rong)控(kong)股(gu)(gu)公(gong)(gong)(gong)(gong)(gong)(gong)司(si)(si)(si)建立的(de)主要目的(de)是最(zui)大程(cheng)度的(de)發揮協同效應，同時更好(hao)地控(kong)制金(jin)融(rong)(rong)風(feng)險，一般來說，金(jin)融(rong)(rong)控(kong)股(gu)(gu)公(gong)(gong)(gong)(gong)(gong)(gong)司(si)(si)(si)各子公(gong)(gong)(gong)(gong)(gong)(gong)司(si)(si)(si)之間結合的(de)越(yue)緊(jin)密(mi)，其協同效率就越(yue)高，但相互之間的(de)風(feng)險傳染程(cheng)度也越(yue)高。因此(ci)，需(xu)在下一步監管的(de)過程(cheng)中著重提升金(jin)融(rong)(rong)控(kong)股(gu)(gu)公(gong)(gong)(gong)(gong)(gong)(gong)司(si)(si)(si)的(de)內部治理(li)(li)(li)能(neng)(neng)(neng)力，適時制定(ding)《金(jin)融(rong)(rong)控(kong)股(gu)(gu)公(gong)(gong)(gong)(gong)(gong)(gong)司(si)(si)(si)公(gong)(gong)(gong)(gong)(gong)(gong)司(si)(si)(si)治理(li)(li)(li)指引》，可從三(san)方面提升金(jin)融(rong)(rong)控(kong)股(gu)(gu)公(gong)(gong)(gong)(gong)(gong)(gong)司(si)(si)(si)治理(li)(li)(li)能(neng)(neng)(neng)力。具體(ti)(ti)包括：完善金(jin)融(rong)(rong)控(kong)股(gu)(gu)公(gong)(gong)(gong)(gong)(gong)(gong)司(si)(si)(si)母公(gong)(gong)(gong)(gong)(gong)(gong)司(si)(si)(si)管理(li)(li)(li)職(zhi)能(neng)(neng)(neng)和母子公(gong)(gong)(gong)(gong)(gong)(gong)司(si)(si)(si)治理(li)(li)(li)結構；采取合理(li)(li)(li)經營管理(li)(li)(li)體(ti)(ti)制增強協同效應，重視(shi)協同運營機(ji)制構建；建立矩陣式的(de)全面風(feng)險管理(li)(li)(li)體(ti)(ti)系。