民間金融監(jiān)管模式創(chuàng)新研究
發(fā)布時(shí)間：2019-01-17 08:53
【摘要】：民間金融作為正規(guī)金融的補(bǔ)充,其存在由來已久,不可否認(rèn)其在支持民營(yíng)經(jīng)濟(jì)快速發(fā)展、為正規(guī)金融體系注入競(jìng)爭(zhēng)因素等方面發(fā)揮了積極作用,但隨著其規(guī)模的日益擴(kuò)大也逐漸暴露出一些問題,影響了經(jīng)濟(jì)社會(huì)的平穩(wěn)發(fā)展。 2003年國(guó)家首次對(duì)民間金融的發(fā)展給予了政策支持,這一改革旨在鼓勵(lì)和支持民間資本參與地方金融機(jī)構(gòu)改革,意味著民間金融將會(huì)被逐步納入國(guó)家正規(guī)金融體系中。2012年新提出金融綜合改革作為化解高利貸等民間金融畸形發(fā)展形態(tài)、引導(dǎo)民間金融健康有序發(fā)展的長(zhǎng)效機(jī)制。 本文重點(diǎn)研究了民間金融納入管控后,金融行業(yè)主管部門、各級(jí)地方政府如何才能充分發(fā)揮其金融監(jiān)管作用,管控好民間金融這匹野馬,充分發(fā)揮其對(duì)現(xiàn)有正規(guī)金融的有效補(bǔ)充作用,以期尋找一種適合中國(guó)金融特色的民間金融監(jiān)管模式。日前,由于民間金融一直處于國(guó)家金融監(jiān)管體系之外,所以對(duì)民間金融監(jiān)管的研究基本處于健全法律制度等理論層面,對(duì)監(jiān)管部門的地位和發(fā)揮的作用較少提及。在民間金融步入陽光地帶之后,監(jiān)管部門的責(zé)任更加明確,但如何把握好監(jiān)管的力度和尺度,既發(fā)揮好監(jiān)管作用,維護(hù)金融市場(chǎng)安全與穩(wěn)定,又不至于打壓民間資本進(jìn)入金融市場(chǎng)的積極性,發(fā)揮好其對(duì)正規(guī)金融市場(chǎng)有益補(bǔ)充作用,是應(yīng)當(dāng)清晰把握和深入研究的。 本文著眼于民間金融監(jiān)管模式和監(jiān)管體系的構(gòu)建,主要采取了比較分析法和規(guī)范分析法,分析了我國(guó)當(dāng)前的金融環(huán)境、民間金融現(xiàn)狀及特點(diǎn),充分肯定了民間金融在我國(guó)經(jīng)濟(jì)社會(huì)發(fā)展中發(fā)揮的積極作用,并正面分析了民間金融可能造成的負(fù)面影響和引發(fā)的風(fēng)險(xiǎn)。本文從民間金融自身性質(zhì)和經(jīng)濟(jì)社會(huì)發(fā)展等幾個(gè)方面闡述了健全民間金融監(jiān)管的迫切需求和必要性,并以美國(guó)、印度等國(guó)家和臺(tái)灣地區(qū)為例,通過對(duì)這些國(guó)家和地區(qū)民間金融監(jiān)管模式的分析借鑒,比較剖析了我國(guó)民間金融監(jiān)管的主客體特征,提出了建立基于區(qū)別審慎度的差異化多維監(jiān)管模式,并在民間金融監(jiān)管流程設(shè)計(jì)上進(jìn)行了有益嘗試。本文在分析民間金融監(jiān)管現(xiàn)狀的基礎(chǔ)上,嘗試提出一種新的民間金融監(jiān)管模式,促使行業(yè)監(jiān)管部門與地方政府在對(duì)民間金融的監(jiān)管中既不缺位也不越位,既保障了金融市場(chǎng)的安全穩(wěn)定,也保護(hù)了民間金融的積極性,在保障民間金融改革試點(diǎn)順利進(jìn)行的同時(shí)也能促進(jìn)國(guó)家金融體制改革的不斷推進(jìn)。
[Abstract]:As a supplement of formal finance, folk finance has a long history. It can not be denied that it has played an active role in supporting the rapid development of private economy and injecting competitive factors into the formal financial system. However, with the increasing expansion of its scale, some problems are gradually exposed, which affect the steady development of economy and society. In 2003, the government gave policy support to the development of private finance for the first time. This reform aims to encourage and support the participation of private capital in the reform of local financial institutions. It means that private finance will gradually be brought into the national formal financial system. In 2012, the comprehensive financial reform was proposed as a long-term mechanism to solve the malformation of private finance such as usury and to guide the healthy and orderly development of private finance. This paper focuses on how the competent departments of the financial industry and local governments at all levels can give full play to their role in financial supervision and control over the wild horse after the folk finance has been brought into control. Give full play to its role as an effective supplement to the existing formal finance, in order to find a suitable private financial supervision model with Chinese financial characteristics. A few days ago, because the private finance has been outside the national financial supervision system, the research on the private financial supervision is basically in the theoretical level, such as sound legal system, and the role of the regulatory department is less mentioned. After the private finance enters the sunshine zone, the responsibility of the supervision department becomes clearer, but how to grasp the intensity and the scale of the supervision, not only to play the role of supervision, but also to maintain the security and stability of the financial market. It is not necessary to suppress the enthusiasm of private capital to enter the financial market, and to give full play to its beneficial supplementary role to the formal financial market, which should be clearly grasped and deeply studied. This paper focuses on the construction of private financial supervision model and supervision system, mainly adopts comparative analysis and normative analysis, analyzes the current financial environment, the current situation and characteristics of folk finance in China. This paper fully affirms the positive role that folk finance plays in the economic and social development of our country, and analyzes positively the possible negative effects and risks caused by private finance. This paper expounds the urgent need and necessity of improving the supervision of private finance from the aspects of the nature of private finance itself and economic and social development, and takes the United States, India and other countries and Taiwan as examples. Based on the analysis and reference of these national and regional private financial supervision models, this paper compares and analyzes the characteristics of the subject and object of the folk financial supervision in China, and puts forward the establishment of a differentiated multi-dimensional supervision model based on the degree of differentiated prudence. And in the private financial supervision process design has carried on the beneficial attempt. Based on the analysis of the current situation of private financial supervision, this paper tries to put forward a new mode of private financial supervision, which makes the supervision of industry and local government neither absent nor offside in the supervision of private finance. It not only guarantees the security and stability of the financial market, but also protects the enthusiasm of the private finance. While ensuring the smooth implementation of the private financial reform, it can also promote the continuous progress of the national financial system reform.
【學(xué)位授予單位】：山東大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.35
本文編號(hào)：2409832
[Abstract]:As a supplement of formal finance, folk finance has a long history. It can not be denied that it has played an active role in supporting the rapid development of private economy and injecting competitive factors into the formal financial system. However, with the increasing expansion of its scale, some problems are gradually exposed, which affect the steady development of economy and society. In 2003, the government gave policy support to the development of private finance for the first time. This reform aims to encourage and support the participation of private capital in the reform of local financial institutions. It means that private finance will gradually be brought into the national formal financial system. In 2012, the comprehensive financial reform was proposed as a long-term mechanism to solve the malformation of private finance such as usury and to guide the healthy and orderly development of private finance. This paper focuses on how the competent departments of the financial industry and local governments at all levels can give full play to their role in financial supervision and control over the wild horse after the folk finance has been brought into control. Give full play to its role as an effective supplement to the existing formal finance, in order to find a suitable private financial supervision model with Chinese financial characteristics. A few days ago, because the private finance has been outside the national financial supervision system, the research on the private financial supervision is basically in the theoretical level, such as sound legal system, and the role of the regulatory department is less mentioned. After the private finance enters the sunshine zone, the responsibility of the supervision department becomes clearer, but how to grasp the intensity and the scale of the supervision, not only to play the role of supervision, but also to maintain the security and stability of the financial market. It is not necessary to suppress the enthusiasm of private capital to enter the financial market, and to give full play to its beneficial supplementary role to the formal financial market, which should be clearly grasped and deeply studied. This paper focuses on the construction of private financial supervision model and supervision system, mainly adopts comparative analysis and normative analysis, analyzes the current financial environment, the current situation and characteristics of folk finance in China. This paper fully affirms the positive role that folk finance plays in the economic and social development of our country, and analyzes positively the possible negative effects and risks caused by private finance. This paper expounds the urgent need and necessity of improving the supervision of private finance from the aspects of the nature of private finance itself and economic and social development, and takes the United States, India and other countries and Taiwan as examples. Based on the analysis and reference of these national and regional private financial supervision models, this paper compares and analyzes the characteristics of the subject and object of the folk financial supervision in China, and puts forward the establishment of a differentiated multi-dimensional supervision model based on the degree of differentiated prudence. And in the private financial supervision process design has carried on the beneficial attempt. Based on the analysis of the current situation of private financial supervision, this paper tries to put forward a new mode of private financial supervision, which makes the supervision of industry and local government neither absent nor offside in the supervision of private finance. It not only guarantees the security and stability of the financial market, but also protects the enthusiasm of the private finance. While ensuring the smooth implementation of the private financial reform, it can also promote the continuous progress of the national financial system reform.
【學(xué)位授予單位】：山東大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.35
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