本文選題：小額信貸　切入點(diǎn)：監(jiān)管　出處：《湖南農(nóng)業(yè)大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

【摘要】：在新一輪農(nóng)村金融改革的背景下,農(nóng)村的金融組織逐漸從“存量式”的改革轉(zhuǎn)變?yōu)椤霸隽渴健钡母母?呈現(xiàn)出高速發(fā)展的態(tài)勢。作為農(nóng)村的新型金融組織,小額貸款公司的出現(xiàn),為“三農(nóng)”和微型企業(yè)的融資緩解了壓力,對(duì)實(shí)現(xiàn)我國普惠金融目標(biāo)有重要作用。然而,在飛速發(fā)展的同時(shí)也出現(xiàn)了許多問題,我國雖然對(duì)小額貸款公司的監(jiān)管已經(jīng)做出了一些努力,但還是存在一些突出問題。如小額貸款公司監(jiān)管主體不明確、監(jiān)管手段不健全、缺乏健全的法律體系和監(jiān)管資源等問題日益明顯,造成監(jiān)管難度的進(jìn)一步加大,直接影響我國小額貸款公司的發(fā)展前景。本文從我國的國情出發(fā),在分析我國小額貸款公司發(fā)展現(xiàn)狀的基礎(chǔ)上,借鑒了亞洲和南美洲的成功經(jīng)驗(yàn),剖析了我國小額貸款公司的監(jiān)管現(xiàn)狀,分別從理論和實(shí)踐視角分析了我國小額貸款公司監(jiān)管的必要性。依據(jù)國際上審慎監(jiān)管和非審慎監(jiān)管兩種模式,按照我國小額貸款公司“只貸不存”的特性,選取了更加適合我國小額貸款公司發(fā)展的非審慎監(jiān)管模式,并對(duì)原因進(jìn)行了適度分析。最后針對(duì)上述存在的問題提出了相關(guān)的對(duì)策,如明確小額貸款公司的身份及監(jiān)管主體、完善配套的法律法規(guī)、豐富監(jiān)管手段、完善小額貸款公司的市場退出機(jī)制、建立中央與地方層面的監(jiān)管體系、優(yōu)化監(jiān)管環(huán)境、提升監(jiān)管效率等措施使我國小額貸款公司能夠?qū)崿F(xiàn)科學(xué)發(fā)展。
[Abstract]:Under the background of a new round of rural financial reform, rural financial organizations have gradually changed from "stock type" reform to "incremental" reform, showing a trend of rapid development. As a new type of rural financial organization, rural financial organization is a new type of financial organization. The emergence of micro-credit companies has eased the pressure on the financing of agriculture, rural areas and microenterprises, and has played an important role in achieving the goal of inclusive finance in China. Although China has made some efforts to supervise microfinance companies, there are still some outstanding problems. For example, the main body of supervision of micro-credit companies is not clear, and the regulatory means are not perfect. The lack of a sound legal system and regulatory resources is becoming increasingly obvious, resulting in a further increase in the difficulty of supervision, which directly affects the prospects of the development of micro-credit companies in China. On the basis of analyzing the current situation of the development of microfinance companies in China, and drawing lessons from the successful experiences of Asia and South America, the paper analyzes the current situation of supervision of microfinance companies in China. This paper analyzes the necessity of the supervision of microfinance companies in China from the perspective of theory and practice. According to the two models of international prudential supervision and non-prudential supervision, according to the characteristics of "only loans do not exist" in China's microfinance companies, This paper selects the non-prudential supervision mode which is more suitable for the development of micro-credit companies in China, and analyzes the causes appropriately. Finally, it puts forward some relevant countermeasures, such as defining the identity of micro-credit companies and the main body of supervision. Improve supporting laws and regulations, enrich regulatory means, improve the market withdrawal mechanism of microfinance companies, establish regulatory systems at the central and local levels, and optimize the regulatory environment, To improve the efficiency of supervision and other measures to enable China's microfinance companies to achieve scientific development.
【學(xué)位授予單位】：湖南農(nóng)業(yè)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.4

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