新形势下我国金融机构海外并购风险防控探究

Exploration on Risk Prevention and Control of Overseas Mergers and Acquisitions by Chinese Financial Institutions under the New Situation

摘要: 本文深入探讨了新形势下我国金融机构海外并购的风险防控问题。随着经济全球化的加速和我国金融机构国际化战略的推进，海外并购已成为金融机构拓展国际市场的重要手段。然而，复杂的国际政治经济环境、文化差异以及金融监管政策的多样性，使得海外并购面临诸多风险。本文通过分析我国金融机构海外并购的现状，识别了当前形势下金融机构海外并购面临的主要风险类型，并探讨了这些风险产生的原因。在此基础上，本文提出了针对性的风险防控措施，如加强战略规划与尽职调查、完善风险管理体系、强化合规管理、优化融资结构与财务风险管理、注重文化整合与人才培养、加强国别风险管理以及推动行业自律与跨境监管合作等。

Abstract: This article explores in depth the risk prevention and control issues of overseas mergers and acquisitions by Chinese financial institutions under the new situation. With the acceleration of economic globalization and the promotion of internationalization strategies of Chinese financial institutions, overseas mergers and acquisitions have become an important means for financial institutions to expand their international markets. However, the complex international political and economic environment, cultural differences, and diversity of financial regulatory policies pose many risks to overseas mergers and acquisitions. This article analyzes the current situation of overseas mergers and acquisitions by financial institutions in China, identifies the main types of risks faced by financial institutions in overseas mergers and acquisitions under the current situation, and explores the reasons for these risks. On this basis, this article proposes targeted risk prevention and control measures, such as strengthening strategic planning and due diligence, improving risk management system, enhancing compliance management, optimizing financing structure and financial risk management, emphasizing cultural integration and talent cultivation, strengthening country specific risk management, and promoting industry self-discipline and cross-border regulatory cooperation.