本文選題：第三方理財(cái)機(jī)構(gòu) + 監(jiān)管法律��； 參考：《山西財(cái)經(jīng)大學(xué)》2015年碩士論文

【摘要】：隨著我國經(jīng)濟(jì)的快速發(fā)展，人們的收入狀況得到極大的改善，擁有了較多的財(cái)富。為了讓財(cái)富保值增值，人們開始尋找投資方向和理財(cái)渠道。自此我國理財(cái)行業(yè)迎來了發(fā)展的春天，涌現(xiàn)出很多的第三方理財(cái)機(jī)構(gòu)，比如諾亞財(cái)富。第三方理財(cái)機(jī)構(gòu)的出現(xiàn)，極大豐富了我國金融產(chǎn)品的種類、增強(qiáng)了金融市場的活力，同時(shí)也為人們提供了更有效的投資渠道、提高了社會經(jīng)濟(jì)資源配置效率。但是，我國第三方理財(cái)機(jī)構(gòu)在快速發(fā)展的同時(shí)種種亂象也充斥著整個(gè)市場，造成這種現(xiàn)象的原因有很多，其中最主要的原因就是第三方理財(cái)市場缺乏有效的監(jiān)管、處于法律的“真空”狀態(tài)，如果不對第三方理財(cái)市場加以規(guī)范和監(jiān)管，將會對第三方理財(cái)機(jī)構(gòu)的發(fā)展和金融理財(cái)市場的發(fā)展產(chǎn)生不利的影響。因此，通過法律監(jiān)管可以引導(dǎo)第三方理財(cái)機(jī)構(gòu)步入正確的發(fā)展軌道。 本文是在國家對影子銀行實(shí)施監(jiān)管的大環(huán)境下，針對第三方理財(cái)機(jī)構(gòu)法律監(jiān)管問題進(jìn)行進(jìn)一步的研究。重點(diǎn)從經(jīng)濟(jì)法的角度分析第三方理財(cái)?shù)姆尚再|(zhì)、第三方理財(cái)機(jī)構(gòu)的優(yōu)勢與隱含的風(fēng)險(xiǎn)，以及我國第三方理財(cái)機(jī)構(gòu)法律監(jiān)管存在的問題等，同時(shí)還多方面比較分析了國外一些發(fā)達(dá)國家對于第三方理財(cái)機(jī)構(gòu)的法律監(jiān)管經(jīng)驗(yàn)，結(jié)合我國第三方理財(cái)機(jī)構(gòu)法律監(jiān)管的現(xiàn)狀與不足提出相應(yīng)的完善對策。 在寫作過程中主要采用了實(shí)證研究方法、比較分析方法和歷史研究方法。首先，，運(yùn)用實(shí)證研究方法，通過網(wǎng)站查詢等方式對國內(nèi)外第三方理財(cái)機(jī)構(gòu)的監(jiān)管進(jìn)行了大量的觀察與調(diào)查，在總結(jié)經(jīng)驗(yàn)的基礎(chǔ)上得出，要想第三方理財(cái)機(jī)構(gòu)在我國健康發(fā)展需要制定相關(guān)的法律法規(guī)、明確相應(yīng)的監(jiān)管主體等；其次，采用比較分析方法，通過比較國內(nèi)外第三方理財(cái)機(jī)構(gòu)的發(fā)展?fàn)顩r，以及分析國外如美國、澳大利亞等國家對第三方理財(cái)機(jī)構(gòu)的法律監(jiān)管經(jīng)驗(yàn)，以期從中找出完善我國第三方理財(cái)機(jī)構(gòu)法律監(jiān)管的方法；最后，還運(yùn)用了歷史研究方法，通過對第三方理財(cái)機(jī)構(gòu)的起源和歷史演變進(jìn)行歸納分析，了解了第三方理財(cái)機(jī)構(gòu)的內(nèi)涵與特點(diǎn)。 我國第三方理財(cái)機(jī)構(gòu)法律監(jiān)管問題研究涉及法律與經(jīng)濟(jì)兩大領(lǐng)域。本文將法學(xué)與經(jīng)濟(jì)學(xué)相結(jié)合，以法學(xué)研究為主、經(jīng)濟(jì)學(xué)研究為輔，從經(jīng)濟(jì)學(xué)角度出發(fā)對第三方理財(cái)機(jī)構(gòu)的基礎(chǔ)知識進(jìn)行闡述，在法律領(lǐng)域內(nèi)對第三方理財(cái)機(jī)構(gòu)的法律性質(zhì)作出界定，將法學(xué)和經(jīng)濟(jì)學(xué)有關(guān)知識進(jìn)行鏈接，從而更加深入地對我國第三方理財(cái)機(jī)構(gòu)法律監(jiān)管這一重要問題進(jìn)行研究。
[Abstract]:With the rapid development of China's economy, people's income situation has been greatly improved and has a lot of wealth. In order to keep wealth and value, people began to look for investment direction and financial channels. Since then, our financial industry has been in the spring of development, and many third party financial institutions, such as Noah wealth, third party finance, have emerged. The emergence of the institutions has greatly enriched the types of our financial products, enhanced the vitality of the financial market, and provided more effective investment channels for people, and improved the efficiency of the allocation of social and economic resources. However, the rapid development of the third party financial institutions in China is also flooded with the whole market, causing this phenomenon. There are many reasons, the main reason is that the third party financial market lacks effective supervision and is in the "vacuum" state of the law. If the third party financial market is not regulated and regulated, it will have an adverse effect on the development of the third party financial institutions and the development of the financial financial market. Therefore, the legal supervision can be achieved. To guide the third party financial institutions to enter the right track of development.
This paper makes a further study on the legal supervision of the third party financial institutions under the environment of the state's implementation of the shadow banking supervision. The emphasis is on the legal nature of the third party financial management, the advantages and implied risks of the third party financial institutions, and the existence of the legal supervision of the third party financial institutions in China. At the same time, we also compare and analyze the legal supervision experience of some foreign developed countries for the third party financial institutions, and put forward the corresponding countermeasures in combination with the current situation and deficiency of the legal supervision of the third party financial institutions in China.
In the process of writing, it mainly uses empirical research method, comparative analysis method and historical research method. First, it uses empirical research methods to observe and investigate the supervision of third party financial institutions at home and abroad by means of website inquiry and so on. On the basis of summarizing the experience, it is concluded that the third party financial institutions are in our country. The healthy development needs to formulate relevant laws and regulations, clarify the corresponding regulatory body, and so on. Secondly, the comparative analysis method is adopted to compare the development status of the third party financial institutions at home and abroad, and to analyze the legal supervision experience of foreign countries such as the United States and Australia on the third party financial institutions, in order to find and perfect our country. The method of the legal supervision of the three party financial institutions; finally, it also uses the historical research method. Through the induction and analysis of the origin and historical evolution of the third party financial institutions, the connotation and characteristics of the third party financial institutions are understood.
The research on the legal supervision of the third party financial institutions in China involves two major fields of law and economy. This paper combines law and economics, takes legal research as the main and economic research as a supplement, expounds the basic knowledge of the third party financial institutions from the economic point of view, and the legal nature of the third party financial institutions in the legal field. To make a definition and link the relevant knowledge of law and economics, so as to further study the important issue of the legal supervision of the third party financial institutions in China.

【學(xué)位授予單位】：山西財(cái)經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2015
【分類號】：D922.29

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