本文關(guān)鍵詞：我國小額貸款公司的政府監(jiān)管研究　出處：《東北師范大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 小額貸款 政府 政府監(jiān)管 風(fēng)險預(yù)警 法律法規(guī)

【摘要】：一直以來，小額貸款被認(rèn)為是一種解決中小企業(yè)融資難的有效手段。我國于2005年引入小額貸款公司這種模式來解決中小企業(yè)融資難與地下錢莊等問題。近些年來，我國的小額貸款公司獲得極其快速的發(fā)展，無論是數(shù)量還是發(fā)放的貸款數(shù)額都呈現(xiàn)出快速增長態(tài)勢。到目前為止，我國小額貸款公司已基本形成了以民間資本投入、以盈利為目的、只有貸款業(yè)務(wù)沒有存款業(yè)務(wù)的新模式，對于促進(jìn)經(jīng)濟(jì)社會的發(fā)展發(fā)揮了重要作用。但是，小額貸款公司在發(fā)展過程中也暴露了許多問題，在業(yè)務(wù)方面：體外循環(huán)、以股代存、發(fā)售理財、股東貸款等問題一直存在；在法律政策方面：法律身份不明確，，未來發(fā)展方向不確定，各地區(qū)政策不均衡等問題沒有得到有效地解決；在監(jiān)管方面：多頭監(jiān)管機構(gòu)、各地監(jiān)管標(biāo)準(zhǔn)不一，監(jiān)管沒有針對小額貸款公司性質(zhì)特征也是在現(xiàn)實中沒有解決的問題。 作為貨幣經(jīng)營者的小額貸款公司已經(jīng)在全國如火如荼的成立發(fā)展壯大，其背后潛在風(fēng)險也是巨大的。目前，小額貸款公司存在法律性質(zhì)不明、監(jiān)管主體定位不準(zhǔn)、風(fēng)險預(yù)警機制缺乏或相關(guān)法律法規(guī)漏洞較大的局面，急需解決。 本文在第一章將梳理小額貸款公司政府監(jiān)管的研究綜述，明確小額貸款公司的定義、特征與發(fā)展過程，并具體論證小額貸款政府監(jiān)管的范疇、原則以及必要性。接著，在本文的第二章詳細(xì)分析目前我國小額貸款公司政府監(jiān)管的實踐，從政府監(jiān)管的政策背景出發(fā)，從監(jiān)管主體、內(nèi)容、措施、效果等方面進(jìn)行展開分析。在分析監(jiān)管實踐的基礎(chǔ)上，本文提出了目前小額貸款政府監(jiān)管的一些問題，在監(jiān)管主體，監(jiān)管結(jié)構(gòu)，監(jiān)管措施、監(jiān)管人員素質(zhì)等方面均提出較為突出的問題。并將在第四章按照發(fā)現(xiàn)的問題提出了對應(yīng)的政策建議，以期對我國的小額貸款監(jiān)管事業(yè)做出一些貢獻(xiàn)。 總結(jié)來看，本文通過對我國小額貸款公司政府監(jiān)管相關(guān)內(nèi)容的探討和建議，將對建立健全我國的政府監(jiān)管法律法規(guī)起到積極作用，并為我國對于小額貸款公司監(jiān)管提出一些可行的策略和措施，幫助提高我國金融監(jiān)管效率，幫助小額貸款行業(yè)實現(xiàn)健康發(fā)展。
[Abstract]:All the time. Microfinance is considered to be an effective means to solve the financing difficulties of SMEs. In 2005, our country introduced the model of microfinance companies to solve the financing difficulties of SMEs and underground banks. In recent years. Microfinance companies in our country have been developing very fast, both the amount of loans and the amount of loans are showing a rapid growth trend. So far. The micro-loan companies in our country have basically formed the new mode of taking private capital investment and profit as the purpose, and only the loan business has no deposit business, which has played an important role in promoting the development of economy and society. In the process of development, microfinance companies also exposed a lot of problems, in terms of business: extracorporeal circulation, stock exchange, selling financial management, shareholder loans and other problems; In the legal policy aspect: the legal status is not clear, the future development direction is uncertain, the regional policy is not balanced and so on the question has not been solved effectively; In the aspect of regulation: long regulatory agencies, different regulatory standards, regulation has not been targeted at the nature of microfinance companies is also a problem that has not been resolved in reality. As a currency operator, microfinance companies have been established in full swing in the country, and the potential risks behind them are huge. At present, the legal nature of microfinance companies is unclear. It is urgent to solve the problem of lack of risk warning mechanism or large loopholes in relevant laws and regulations. In the first chapter, this paper will comb the government supervision of microfinance companies, clear the definition of microfinance companies, characteristics and development process, and demonstrate the scope of government supervision of microfinance. Then, in the second chapter, the author analyzes the practice of government supervision of microfinance companies in China, starting from the policy background of government supervision, from the main body of supervision, content, measures. On the basis of analyzing the practice of supervision, this paper puts forward some problems of government supervision of small loans at present, such as the main body of supervision, the structure of supervision, and the measures of supervision. In chapter 4th, the author puts forward the corresponding policy suggestions according to the discovered problems, in order to make some contributions to the supervision of micro-credit in our country. To sum up, this paper will play a positive role in establishing and perfecting the government regulation laws and regulations of our country through the discussion and suggestions on the relevant contents of government supervision of micro-credit companies in our country. It also puts forward some feasible strategies and measures for the supervision of microfinance companies in China to help improve the efficiency of financial supervision and help the microfinance industry to achieve a healthy development.
【學(xué)位授予單位】：東北師范大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.4;D630

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