| Summary: | 碩士 === 國立成功大學 === 法律學研究所 === 94 === The content of this text is divided into four parts. First, introduce the situation of the financial industry about cross-selling briefly. On the second part, analyze the responsibility of the financial holding company holding an insurance company and risk of the insurance company under the structure of the financial holding company. Third, review the business risk faced by the insurance company when it is under the system of a financial holding company. Finally, discuss about the supervision concerned.
Because the legislation of the financial holding company of our country follows the foreign legislative example mainly, especially the Gramm-Leach-Bliley Financial Modernization Act of U.S.A., the public opinion in U.S.A. criticizes the norm of that bill put more emphasis on the banking segment, and the norms about the insurance field is insufficient seriously. After probed actually, it should be researched into the risk from the structure of the whole financial holding company, and the business risk of insurance company under the structure of financial holding company could be avoided. The business risks contain risk of contagion, conflict of interest, intra-transaction, risk of multiple gearing, moral hazard, and risk of concentrations. And then, probe the above risks concerned further with legal analyses. At the end of the text，discuss about the risks that the authority would concern on field of the supervision.
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