本文選題：農(nóng)村金融　切入點(diǎn)：差別監(jiān)管　出處：《武漢工程大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

【摘要】：科學(xué)的金融監(jiān)管制度直接關(guān)系著一國金融市場的安全與發(fā)展。我國農(nóng)村金融監(jiān)管制度存在的缺陷嚴(yán)重阻礙了農(nóng)村金融市場的發(fā)展，同時更是影響了社會主義新農(nóng)村的建設(shè)、阻滯了現(xiàn)代化的進(jìn)程。我國現(xiàn)存的農(nóng)村金融監(jiān)管被簡單地放置于全國統(tǒng)一的金融監(jiān)管體系之內(nèi)、適用統(tǒng)一的金融監(jiān)管制度，缺乏針對性、效率低下，潛伏的風(fēng)險隱患暗流涌動，嚴(yán)重威脅著我國的金融安全，因而重新構(gòu)建我國農(nóng)村金融監(jiān)管體系勢在必行。構(gòu)建我國農(nóng)村金融監(jiān)管體系應(yīng)當(dāng)充分考慮中國農(nóng)村金融市場的實(shí)際情況和農(nóng)村金融業(yè)務(wù)的特點(diǎn)。一個含有多元監(jiān)管主體、包括民間金融等多種監(jiān)管對象在內(nèi)、具有中國特色的農(nóng)村金融監(jiān)管體系；并從單純的合規(guī)性監(jiān)管、統(tǒng)一監(jiān)管模式轉(zhuǎn)向以風(fēng)險性監(jiān)管、分類監(jiān)管、差別監(jiān)管為主的監(jiān)管模式應(yīng)當(dāng)是我國農(nóng)村金融監(jiān)管體系的最優(yōu)擇。 本文分五部分闡述。第一部分：緒論。具體闡述了本文的選題背景和研究意義，介紹了國內(nèi)外有關(guān)農(nóng)村金融監(jiān)管的研究概況，，提出了本文的研究思路、方法以及創(chuàng)新點(diǎn)。第二部分：農(nóng)村金融監(jiān)管概述。提出了農(nóng)村金融監(jiān)管的概念及其必要性。第三部分：我國農(nóng)村金融監(jiān)管現(xiàn)存問題。首先回顧了我國農(nóng)村金融監(jiān)管的發(fā)展歷史，從法律、法規(guī)、設(shè)備、自律監(jiān)管這幾個方面系統(tǒng)闡述了目前我國農(nóng)村金融監(jiān)管的現(xiàn)狀。并指出了目前我國農(nóng)村金融監(jiān)管存在的問題。第四部分：我國農(nóng)村金融監(jiān)管現(xiàn)存問題原因分析。針對我國農(nóng)村金融監(jiān)管存在的問題，從歷史、農(nóng)村金融機(jī)構(gòu)內(nèi)在矛盾、民間金融立法缺失以及監(jiān)管手段落后等方面分析了我國農(nóng)村金融監(jiān)管存在問題的深層次原因。第五部分：我國農(nóng)村金融監(jiān)管的完善。在借鑒國外有關(guān)國家農(nóng)村金融監(jiān)管經(jīng)驗(yàn)的基礎(chǔ)上，提出從健全農(nóng)村金融法律制度、完善農(nóng)村金融監(jiān)管體系以及構(gòu)建科學(xué)的農(nóng)村金融監(jiān)管制度三個方面完善我國農(nóng)村金融監(jiān)管制度。
[Abstract]:The scientific financial supervision system is directly related to the security and development of a country's financial market. The defects of our country's rural financial supervision system seriously hinder the development of the rural financial market, and at the same time, it also affects the construction of a new socialist countryside. The existing rural financial supervision in our country is simply placed in the unified financial supervision system of the whole country, which is applicable to the unified financial supervision system, lacking pertinence, low efficiency, latent risks and hidden dangers. It is a serious threat to the financial security of our country. Therefore, it is imperative to rebuild the rural financial supervision system of our country. To construct the rural financial supervision system of our country, we should fully consider the actual situation of the rural financial market and the characteristics of the rural financial business in China. The rural financial supervision system with Chinese characteristics, including various regulatory objects such as private finance, has changed from simple compliance supervision and unified supervision mode to risk supervision and classified supervision. The mode of differential supervision should be the best choice of rural financial supervision system in China. This paper is divided into five parts. The first part: introduction. This paper describes the background and significance of this paper, introduces the domestic and foreign research on rural financial supervision, and puts forward the research ideas of this paper. Methods and innovations. The second part: an overview of rural financial supervision. The concept and necessity of rural financial supervision are put forward. The third part: the existing problems of rural financial supervision in China. Firstly, the development history of rural financial supervision in China is reviewed. From laws, regulations, equipment, This paper systematically expounds the present situation of rural financial supervision in China, and points out the existing problems in rural financial supervision in China. Part 4th: analysis of the causes of the existing problems in rural financial supervision in China. In view of the problems existing in rural financial supervision in China, From history, the inherent contradictions of rural financial institutions, This paper analyzes the deep reasons of the problems existing in the rural financial supervision in our country from the aspects of the lack of legislation on folk finance and the backwardness of the supervision methods. Part 5th: the perfection of the rural financial supervision in our country, and draw lessons from the rural gold of the countries concerned in foreign countries. Based on regulatory experience, This paper puts forward three aspects: perfecting the rural financial legal system, perfecting the rural financial supervision system and constructing the scientific rural financial supervision system in order to perfect the rural financial supervision system of our country.
【學(xué)位授予單位】：武漢工程大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.1

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