發(fā)布時(shí)間：2018-03-16 11:40

  本文選題：融資性擔(dān)保　切入點(diǎn)：監(jiān)管體制　出處：《首都經(jīng)濟(jì)貿(mào)易大學(xué)》2015年碩士論文　論文類(lèi)型：學(xué)位論文

【摘要】：隨著我國(guó)市場(chǎng)經(jīng)濟(jì)的不斷深化,我國(guó)中小微企業(yè)、“三農(nóng)”得到快速發(fā)展,成為我國(guó)經(jīng)濟(jì)建設(shè)的生力軍,但由于中小微企業(yè)、“三農(nóng)”存在的缺信息、缺信用的先天不足,其融資難長(zhǎng)期困擾其健康發(fā)展,有效解決其融資難成為各界高度關(guān)注的焦點(diǎn),也是各國(guó)關(guān)注的焦點(diǎn)和重要課題。我國(guó)融資性擔(dān)保業(yè)應(yīng)我國(guó)社會(huì)主義市場(chǎng)經(jīng)濟(jì)之運(yùn)而生,并獲得蓬勃發(fā)展,機(jī)構(gòu)快速增長(zhǎng),服務(wù)中小微企業(yè)、“三農(nóng)”融資增信發(fā)揮了不可或缺的重要作用。但隨著行業(yè)快速發(fā)展,融資性擔(dān)保行業(yè)也出現(xiàn)了諸多不容小覷的問(wèn)題,有些融資性擔(dān)保機(jī)構(gòu)管理混亂,經(jīng)營(yíng)亂象叢生,有些擔(dān)保機(jī)構(gòu)甚至從事非法吸收公眾存款、非法集資及詐騙等等違法違規(guī)行為,風(fēng)險(xiǎn)隱患突出,嚴(yán)重危害整個(gè)行業(yè)的健康有序發(fā)展和社會(huì)穩(wěn)定,甚至在一些地方出現(xiàn)了風(fēng)險(xiǎn)蔓延的趨勢(shì),危害到經(jīng)濟(jì)金融安全和社會(huì)穩(wěn)定;我國(guó)融資性擔(dān)保業(yè)監(jiān)管也暴露出了許多問(wèn)題,如監(jiān)管主體的不夠具體明確,監(jiān)管制度安排法律層級(jí)很低,自律組織尤其是全國(guó)性自律組織作用未得到充分有效發(fā)揮等等。因此,有必要加快建立健全完善的融資性擔(dān)保監(jiān)管體制法律制度安排以有效應(yīng)對(duì)發(fā)展和監(jiān)管產(chǎn)生的和面對(duì)的各種問(wèn)題。本文針對(duì)我國(guó)融資性擔(dān)保業(yè)監(jiān)管法律制度中存在的各種問(wèn)題進(jìn)行分析研究,同時(shí)借鑒國(guó)外融資性擔(dān)保業(yè)監(jiān)管體制法律制度的經(jīng)驗(yàn),以期提出建立健全我國(guó)融資性擔(dān)保監(jiān)管體制法律制度之對(duì)策。
[Abstract]:With the deepening of the market economy in our country, the small and medium-sized enterprises of our country, the "agriculture, countryside and farmers" have been developed rapidly and become the new force in the economic construction of our country. However, due to the lack of information and credit in the small and medium-sized enterprises, the "agriculture, rural areas and farmers" is deficient in nature. Its financing difficulty has long troubled its healthy development, and effectively solving its financing difficulties has become the focus of attention of all walks of life, as well as the focus and important topic of various countries. The financing guarantee industry of our country should come into being in the socialist market economy of our country. With the rapid development of the industry, the rapid growth of institutions, the service of small and medium-sized enterprises, the financing of "agriculture, rural areas and farmers" has played an indispensable and important role. However, with the rapid development of the industry, there have been many problems that cannot be underestimated in the financing guarantee industry. Some of the financing guarantee institutions are in confusion in management and operation, and some guarantee organizations are even engaged in illegal activities such as illegal absorption of public deposits, illegal fund-raising and fraud, and so on. The risks are prominent. It seriously endangers the healthy and orderly development of the whole industry and social stability, and even appears the trend of risk spreading in some places, endangering the economic and financial security and social stability, and the supervision of the financing guarantee industry in our country has also exposed many problems. For example, the subject of supervision is not specific enough, the legal level of regulatory system arrangement is very low, the role of self-regulatory organization, especially the national self-regulatory organization, is not fully and effectively brought into play, and so on. It is necessary to speed up the establishment of a sound legal system of financing guarantee supervision system to effectively deal with the problems arising from and faced by development and supervision. This paper aims at the existence of the legal system of financing guarantee industry supervision in China. To carry out analysis and research on various issues based on the. At the same time, the author draws lessons from the experience of the supervision system of financing guarantee industry in foreign countries in order to put forward the countermeasures to establish and perfect the legal system of financing guarantee supervision system in our country.
【學(xué)位授予單位】：首都經(jīng)濟(jì)貿(mào)易大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類(lèi)號(hào)】：D922.28;D923

【參考文獻(xiàn)】

相關(guān)期刊論文 前2條

1 李雪;;融資性擔(dān)保機(jī)構(gòu)發(fā)展問(wèn)題研究[J];區(qū)域金融研究;2013年06期

2 儲(chǔ)敏;;我國(guó)中小企業(yè)信用擔(dān)保制度的實(shí)踐與立法完善[J];寧夏社會(huì)科學(xué);2007年04期

相關(guān)碩士學(xué)位論文 前2條

1 段艷彩;中國(guó)小微企業(yè)信貸融資的信用擔(dān)保問(wèn)題研究[D];沈陽(yáng)航空航天大學(xué);2013年

2 張娥;融資性擔(dān)保公司監(jiān)管制度研究[D];安徽大學(xué);2014年

，

本文編號(hào)：1619759