本文選題：村鎮(zhèn)銀行　切入點(diǎn)：金融安全　出處：《西南政法大學(xué)》2014年碩士論文

【摘要】：村鎮(zhèn)銀行作為新型農(nóng)村金融組織之一，自第一家成立以來(lái)，在我國(guó)已然成高速增長(zhǎng)之態(tài)勢(shì)。村鎮(zhèn)銀行是應(yīng)國(guó)家統(tǒng)籌城鄉(xiāng)發(fā)展，推進(jìn)新農(nóng)村建設(shè)，服務(wù)“三農(nóng)”、“小微”目標(biāo)而出現(xiàn)的。作為特殊的商業(yè)銀行，村鎮(zhèn)銀行兼具政策性與盈利性。由于其獨(dú)特的角色定位，現(xiàn)已成為我國(guó)農(nóng)村金融市場(chǎng)重構(gòu)過(guò)程中的主力軍，不僅滿足了許多農(nóng)戶、鄉(xiāng)鎮(zhèn)企業(yè)的信貸需求，同時(shí)也為農(nóng)村經(jīng)濟(jì)的發(fā)展提供了堅(jiān)實(shí)的資本支持。然而，伴隨村鎮(zhèn)銀行的迅速成長(zhǎng)，越來(lái)越多的問(wèn)題不斷暴露出來(lái)，尤其在法律制度層面出現(xiàn)了種種缺陷，但現(xiàn)有的研究尚顯零碎，亦無(wú)靈活的應(yīng)對(duì)措施，故難以對(duì)村鎮(zhèn)銀行的進(jìn)一步發(fā)展，尤其是制度創(chuàng)新和健全給予充足的智力支持。因此，需要運(yùn)用系統(tǒng)思維，以多學(xué)科知識(shí)為分析依據(jù)，從整體角度構(gòu)思，完善當(dāng)前我國(guó)村鎮(zhèn)銀行的法律制度，為其持續(xù)性發(fā)展提供良好的法律環(huán)境，無(wú)疑具有重要的理論價(jià)值與現(xiàn)實(shí)意義。 本文基于“金融安全”視野，除引言和結(jié)語(yǔ)外，文章分為四個(gè)部分加以論述： 第一部分，介紹村鎮(zhèn)銀行的概況。以法律法規(guī)的梳理為基礎(chǔ)，首先對(duì)村鎮(zhèn)銀行的概念進(jìn)行界定，后著重概括其特征，最終展示村鎮(zhèn)銀行的重要作用。 第二部分，從不同角度揭示村鎮(zhèn)銀行法律制度的現(xiàn)狀，并深入地剖析了其存在問(wèn)題的根本原因。論述中以客觀現(xiàn)實(shí)為依據(jù)，嚴(yán)肅對(duì)待現(xiàn)有問(wèn)題，最終推出真正的背后原因。 第三部分，是對(duì)域外村鎮(zhèn)銀行先進(jìn)經(jīng)驗(yàn)的分析與借鑒。由于孟加拉國(guó)與我國(guó)情況類似，同為發(fā)展中國(guó)家，，雖然我國(guó)經(jīng)濟(jì)發(fā)展程度高于孟加拉國(guó)，但是在村鎮(zhèn)銀行的發(fā)展方面，后者的水平遠(yuǎn)遠(yuǎn)高于我國(guó)，尤其對(duì)于中西部地區(qū)的農(nóng)村而言，該國(guó)的成功經(jīng)驗(yàn)具有重要的參考價(jià)值。因此，我國(guó)應(yīng)當(dāng)在考量現(xiàn)實(shí)國(guó)情的基礎(chǔ)上，充分吸收該國(guó)的成功經(jīng)驗(yàn)。 第四部分，是文章的核心所在。主要選擇了立法理念、設(shè)立路徑、監(jiān)管制度、配套制度、內(nèi)控機(jī)制、外資村鎮(zhèn)銀行等幾方面相應(yīng)的法律制度，對(duì)其完善提出了具體建議。結(jié)合前文的論述，以國(guó)內(nèi)外研究成果為基礎(chǔ)，以域外經(jīng)驗(yàn)為參考，以現(xiàn)實(shí)問(wèn)題為依據(jù)，最終從不同的角度為村鎮(zhèn)銀行的法律制度完善提出了構(gòu)想與建議。
[Abstract]:Village bank, as one of the new rural financial organizations, has been growing rapidly in our country since it was first established.The village bank is in line with the country's overall planning of urban and rural development, promoting the construction of new rural areas, serving the "three rural areas", "small micro" goals.As a special commercial bank, village bank has both policy and profitability.Because of its unique role, it has become the main force in the reconstruction of rural financial market in China. It not only meets the credit needs of many farmers and township enterprises, but also provides a solid capital support for the development of rural economy.However, with the rapid growth of village banks, more and more problems have been exposed, especially in the legal system, but the existing research is still fragmented, and there are no flexible countermeasures.Therefore, it is difficult to provide sufficient intellectual support for further development of village banks, especially institutional innovation and perfection.Therefore, it is necessary to use systematic thinking, take multi-disciplinary knowledge as the basis of analysis, conceive from the whole angle, perfect the current legal system of the village bank of our country, and provide a good legal environment for its sustainable development.Undoubtedly, it has important theoretical value and practical significance.Based on the perspective of "financial security", this article is divided into four parts, in addition to the introduction and conclusion.The first part introduces the general situation of the village bank.Based on the combing of laws and regulations, this paper first defines the concept of village bank, then generalizes its characteristics, and finally shows the important role of village bank.The second part reveals the present situation of village bank legal system from different angles, and deeply analyzes the root cause of its existing problems.On the basis of objective reality, the author takes the existing problems seriously and finally puts forward the real reasons behind them.The third part is the analysis and reference to the advanced experience of foreign village bank.Because Bangladesh is a developing country similar to ours, although our economic development is higher than that of Bangladesh, the level of the latter is far higher than that of China in terms of the development of village and town banks.Especially for the rural areas of the central and western regions, the country's successful experience has an important reference value.Therefore, China should fully absorb its successful experience on the basis of considering the actual situation.The fourth part is the core of the article.This paper mainly chooses the corresponding legal system of legislation idea, establishment path, supervision system, supporting system, internal control mechanism, foreign capital village and town bank and so on, and puts forward some concrete suggestions for its perfection.Combined with the previous discussion, based on the domestic and foreign research results, taking the overseas experience as the reference, and taking the practical problems as the basis, the author finally puts forward some ideas and suggestions for the perfection of the legal system of the village banks from different angles.
【學(xué)位授予單位】：西南政法大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：D922.281

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