本文關(guān)鍵詞： 小額貸款 政府監(jiān)管 三農(nóng) 中小企業(yè)　出處：《山東大學(xué)》2012年碩士論文　論文類型：學(xué)位論文

【摘要】：自2008年9月山東省小額貸款公司試點(diǎn)工作正式啟動以來,按照中國銀監(jiān)會、中國人民銀行聯(lián)合發(fā)布的《關(guān)于小額貸款公司試點(diǎn)的指導(dǎo)意見》、《山東省小額貸款公司試點(diǎn)暫行管理辦法》和《山東省小額貸款公司監(jiān)督管理暫行辦法》,試點(diǎn)工作穩(wěn)步推進(jìn)。隨著我國“十二五”規(guī)劃的實(shí)施、產(chǎn)業(yè)結(jié)構(gòu)的調(diào)整和城鄉(xiāng)市場經(jīng)濟(jì)的蓬勃發(fā)展,市場更加旺盛,小額貸款行業(yè)將迎來新的發(fā)展機(jī)遇,發(fā)揮出越來越顯著的作用。 本文對小額貸款公司政府監(jiān)管問題的研究,主要以菏澤市小額貸款公司為例進(jìn)行研究和分析,并結(jié)合我國和山東省有關(guān)小額貸款公司的管理法律法規(guī)及當(dāng)前小額貸款公司、政府監(jiān)管的相關(guān)理論進(jìn)行分析和研究。首先研究與小額貸款公司政府監(jiān)管有關(guān)的模式,對這些問題的研究,主要通過圖書資料查找和相關(guān)文獻(xiàn)檢索的方法,對相關(guān)理論進(jìn)行匯總,提取適合本文研究的可用理論。其次,研究菏澤市小額貸款公司政府監(jiān)管的現(xiàn)狀,對政府監(jiān)管現(xiàn)狀的研究,主要對監(jiān)管政策和法律依據(jù)的搜索、菏澤市現(xiàn)行政府監(jiān)管措施、內(nèi)容、效果等的研究。第三,研究菏澤市小額貸款公司政府監(jiān)管中存在的問題。對此部分的研究,需要充分以菏澤市小額貸款公司經(jīng)營現(xiàn)狀和政府監(jiān)管現(xiàn)狀為基礎(chǔ),通過對調(diào)查數(shù)據(jù)的科學(xué)分析和市場中存在問題的深入分析,提煉問題的本質(zhì),既歸納問題,更分析問題的內(nèi)在原因,運(yùn)用馬克思主義唯物辯證法的觀點(diǎn),從宏觀和微觀、主觀和客觀的角度進(jìn)行綜合分析。第四,研究加強(qiáng)小額貸款公司政府監(jiān)管的對策。由于我國小額貸款公司發(fā)展時間較短,要有力有效的加強(qiáng)我國小額貸款公司監(jiān)管,促進(jìn)其穩(wěn)健、可持續(xù)發(fā)展,就必須充分借鑒國外的先進(jìn)經(jīng)驗(yàn)。因此在提出對策之前,簡要而全面地概括總結(jié)國外典型的成功的小額貸款公司政府監(jiān)管經(jīng)驗(yàn),充分考慮菏澤市小額貸款公司政府監(jiān)管中存在的問題,結(jié)合當(dāng)前我國小額貸款公司的新政策、新趨勢、新現(xiàn)狀,提出科學(xué)的、切實(shí)可行的對策。 本文以菏澤市小額貸款公司政府監(jiān)管現(xiàn)狀為例,通過對菏澤市當(dāng)前小額貸款公司現(xiàn)狀和政府監(jiān)管現(xiàn)狀的分析,總結(jié)出當(dāng)前小額貸款公司政府監(jiān)管中存在預(yù)警機(jī)制不健全、監(jiān)管制度不科學(xué)、法律制度不完善、缺乏監(jiān)管扶持鼓勵政策等問題。分析了出現(xiàn)這些問題的原因是政府多頭管理、小額貸款公司監(jiān)管經(jīng)驗(yàn)較少等。提出了以下對策：建立風(fēng)險預(yù)防長效機(jī)制和危機(jī)處理應(yīng)急機(jī)制；科學(xué)劃分監(jiān)管內(nèi)容,合理利用社會資源監(jiān)管、加強(qiáng)經(jīng)驗(yàn)交流；積極推動立法建設(shè)；培養(yǎng)縣區(qū)復(fù)合型監(jiān)管人才；積極探索監(jiān)管新方法,加大政策扶持和鼓勵。
[Abstract]:Since September 2008, the pilot work of Shandong Microloan Corporation has been officially launched, according to the China Banking Regulatory Commission and the people's Bank of China issued jointly on the pilot of micro-credit company guidance. The interim measures on the pilot Management of Shandong Microcredit companies and the interim measures on Supervision and Management of Shandong Microloan companies, the pilot work has progressed steadily with the implementation of China's 12th Five-Year Plan. With the adjustment of the industrial structure and the vigorous development of the urban and rural market economy, the market becomes more and more vigorous. The microfinance industry will usher in new development opportunities and play a more and more prominent role. This paper studies the government supervision of micro-credit companies, mainly taking Heze micro-credit company as an example to study and analyze. And combined with our country and Shandong Province about the small loan company management laws and regulations and the current microfinance company. The related theories of government supervision are analyzed and studied. Firstly, the models related to government regulation of micro-credit companies are studied. The research on these issues is mainly through the methods of books and materials search and related literature retrieval. Summarize the relevant theories, extract the available theory suitable for this study. Secondly, study the current situation of government supervision of small loan companies in Heze, and research the current situation of government supervision. Mainly to the supervision policy and the legal basis search, Heze city present government supervision measure, the content, the effect and so on research. Third. This paper studies the problems existing in the government supervision of Heze City Microloan Company. The research on this part needs to be based on the present situation of Heze City Microloan Company and the current situation of government supervision. Through the scientific analysis of the survey data and the in-depth analysis of the existing problems in the market, the essence of the problem is refined, which not only induces the problem, but also analyzes the internal causes of the problem, and applies the viewpoint of Marxist materialist dialectics. From the macro and micro, subjective and objective angles of comprehensive analysis. 4th, to study the strengthening of government supervision of microfinance companies. Because of the short development time of microfinance companies in China. In order to effectively strengthen the supervision of microfinance companies in China and promote their steady and sustainable development, we must fully learn from the advanced experience of foreign countries. Briefly and comprehensively summarizes the foreign typical successful government supervision experience of microfinance companies, fully consider the problems existing in the government supervision of Heze microfinance companies. Combined with the new policy, new trend and new present situation of China's microfinance companies, scientific and feasible countermeasures are put forward. This paper takes the current situation of government supervision of Heze small loan company as an example, through the analysis of the current situation of small loan company and government supervision in Heze city. Summarize the current government supervision of microfinance companies in the existence of early warning mechanism is not perfect, the regulatory system is not scientific, the legal system is not perfect. Lack of regulatory support to encourage policy and other issues. This paper analyzes the reasons for these problems are government long management. The author puts forward the following countermeasures: establishing long-term risk prevention mechanism and crisis management emergency mechanism; Scientific division of supervision content, rational use of social resources supervision, strengthen the exchange of experience; Actively promote legislative construction; Training county and district compound supervisory talents; Actively explore new methods of supervision and increase policy support and encouragement.
【學(xué)位授予單位】：山東大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：F832.4

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