【摘要】：中國出現(xiàn)了中央和地方二元式金融監(jiān)管制度,金融監(jiān)管是中央和地方關系的新領域。地方金融監(jiān)管規(guī)則與中央金融監(jiān)管規(guī)則存在顯著差異,這種差異對地方金融發(fā)展產(chǎn)生了直接影響。具體而言,地方金融監(jiān)管規(guī)則中存在與中央金融監(jiān)管規(guī)則直接沖突的規(guī)定,而各地方"沖突型"規(guī)則與中央規(guī)則偏離程度存在不同,這是阿里巴巴小額貸款公司從浙江"遷"往重慶獲得快速發(fā)展的重要因素。同時,地方金融監(jiān)管規(guī)則中還存在大量中央規(guī)則中沒有的"擴展性"規(guī)則,而"擴展型"規(guī)則越多的省,小額貸款行業(yè)發(fā)展越不好。"擴展型"規(guī)則反映了地方政府出于私利而采取的"尋租性"行為,"擴展型"規(guī)則的大量存在,限制了阿里小貸這一成功事例的普適性。
[Abstract]:China has emerged a dual central and local financial supervision system, financial supervision is a new area of central and local relations. There are significant differences between local financial supervision rules and central financial supervision rules, which have a direct impact on the development of local finance. In particular, the local financial supervision rules have the direct conflict with the central financial supervision rules, and the degree of deviation between the local "conflicting" rules and the central rules is different. This is Alibaba small loan company from Zhejiang "move" to Chongqing to obtain the important factor of rapid development. At the same time, there are a large number of "expansibility" rules in the local financial supervision rules, and the more "extended" rules, the worse the development of microfinance industry. " The extended rule reflects the "rent-seeking" behavior taken by the local government for self-interest, and the extensive existence of the "extended" rule limits the universality of the successful case of Ali's small loan.
【作者單位】： 北京大學法學院;
【基金】：與香港中文大學商學院劉莊博士關于小額貸款公司地方監(jiān)管合作研究中的部分成果
【分類號】：F724.6;F832.4
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本文編號：2161314