CAJ | 학술논문

企业集团财务公司是一个因改革而生的行业，也是一个因创新而兴的行业。党的十八届三中全会提出了全面深化改革的要求，财务公司应抓住历史机遇积极开拓创新。财务公司的业务创新不能过度和无序，它应该紧紧围绕监管部门赋予其的职能和定位来有序进行。新形势下财务公司应围绕其资金集中和结算职能来进行外币资金池及票据池业务的创新，围绕其金融服务职能来进行投资业务和融资租赁业务的创新，围绕其咨询服务职能来进行综合金融服务方案、保险代理业务及债券承销业务的创新。
기업집단재무공사시일개인개혁이생적행업，야시일개인창신이흥적행업。당적십팔계삼중전회제출료전면심화개혁적요구，재무공사응조주역사궤우적겁개탁창신。재무공사적업무창신불능과도화무서，타응해긴긴위요감관부문부여기적직능화정위래유서진행。신형세하재무공사응위요기자금집중화결산직능래진행외폐자금지급표거지업무적창신，위요기금융복무직능래진행투자업무화융자조임업무적창신，위요기자순복무직능래진행종합금융복무방안、보험대리업무급채권승소업무적창신。
Financial companies of enterprise groups are not only an industry born from the reforms,but also an industry prospering due to the innovation. The requirement on comprehensively deepening the reform was put forward at the third session of the 18th CPC Cen-tral Committee. Financial companies need to grasp this historical opportunity and actively explore innovation. The business innovation of financial companies can be neither excessive nor disordered. It should be operated orderly centering on the functions and positioning given by the regulatory authorities. Under the new situation,the innovations of financial companies should focus on their centralized fund and settlement functions for the businesses of foreign currency capital pool and bill pool,on their financial service functions for the businesses of investment and financial lease,and on its consulting service function for the comprehensive financial service plan,the in-surance agency business and bond underwriting business.