本文關(guān)鍵詞：四川省小額貸款公司政府監(jiān)管專(zhuān)題研究　出處：《電子科技大學(xué)》2015年碩士論文　論文類(lèi)型：學(xué)位論文

  更多相關(guān)文章： 小額貸款 小額貸款公司 政府職能 監(jiān)管模式 風(fēng)險(xiǎn)

【摘要】：小額貸款公司的運(yùn)行是對(duì)銀行業(yè)務(wù)空間的補(bǔ)充,對(duì)于我國(guó)小微企業(yè)、低收入群體等金融服務(wù)完善有著十分重要的作用,同時(shí)有利于規(guī)范民間借貸,緩解農(nóng)村、小微企業(yè)、個(gè)體工商戶(hù)融資難的問(wèn)題,但相比銀行,小額貸款公司承擔(dān)著比較高的的運(yùn)營(yíng)成本和風(fēng)險(xiǎn),面臨更多的困難和問(wèn)題,如性質(zhì)不明、定位模糊、資金來(lái)源有限、相關(guān)機(jī)制不完善等。若不能及時(shí)有效解決,將有可能對(duì)區(qū)域金融產(chǎn)生負(fù)面影響。因此政府必須考慮如何發(fā)揮其監(jiān)管和規(guī)范作用。四川是第一批小額貸款試點(diǎn)省份,在地理環(huán)境、經(jīng)濟(jì)發(fā)展等方面有其獨(dú)特之處。在2008年、2013年經(jīng)歷兩次地震后,災(zāi)區(qū)重建也需要金融支持。在這樣一個(gè)特殊的發(fā)展環(huán)境中,四川的小額貸款公司較之其他省市的公司有著更為復(fù)雜的發(fā)展環(huán)境,對(duì)于四川地方政府的監(jiān)管而言,意味著更多的挑戰(zhàn)。本文介紹了小額貸款公司的概念和國(guó)內(nèi)外小額貸款公司的研究情況和發(fā)展現(xiàn)狀,分析了國(guó)內(nèi)外小額貸款公司的發(fā)展趨勢(shì),從小額貸款公司整個(gè)行業(yè)的監(jiān)管、規(guī)范、風(fēng)險(xiǎn)控制與規(guī)避的迫切現(xiàn)實(shí)需求入手,對(duì)小額貸款公司的政府監(jiān)管原則、模式、特征、作用、方式和法律依據(jù)進(jìn)行展開(kāi),遵循理論與實(shí)證研究相結(jié)合的總體思路,以四川省小額貸款公司發(fā)展政策問(wèn)題為主軸,通過(guò)對(duì)小額貸款公司現(xiàn)狀的分析,在肯定其對(duì)市場(chǎng)經(jīng)濟(jì)促進(jìn)、解決中小企業(yè)融資難等問(wèn)題的同時(shí),指出目前存在的諸多問(wèn)題。對(duì)地方政府在服務(wù)、管理中存在的缺位現(xiàn)象,致使制度設(shè)計(jì)中懸而未決的定位問(wèn)題、法律問(wèn)題、監(jiān)管問(wèn)題等困擾小額貸款公司的發(fā)展壯大的因素進(jìn)行分析,總結(jié)當(dāng)前四川省小額貸款行業(yè)監(jiān)管規(guī)范工作中出現(xiàn)的問(wèn)題,剖析問(wèn)題產(chǎn)生的原因,闡述我省小額貸款公司規(guī)范管理和有效監(jiān)管機(jī)制建設(shè)的實(shí)踐、成效以及存在問(wèn)題,最后對(duì)小額貸款行業(yè)規(guī)范管理機(jī)制建設(shè)提出對(duì)策性建議。通過(guò)對(duì)小額貸款公司的合理定位出發(fā),從完善法律制度、明確監(jiān)管部門(mén)、發(fā)揮監(jiān)管職能等方面出發(fā),規(guī)范小額貸款公司的設(shè)立、運(yùn)營(yíng),以便更好地促進(jìn)該行業(yè)的健康快速發(fā)展。
[Abstract]:The petty loan company's operation is a supplement to the banking space, for our country Small and micro businesses and low income groups and improve financial services plays a very important role, it is also beneficial to regulate private lending, relieve rural, Small and micro businesses and individual industrial and commercial households financing problems, but compared to banks, small loan companies bear a relatively high operating costs and risks, facing more difficulties and problems, such as unclear property, fuzzy positioning, limited funds and related mechanism is not perfect. If it can not be solved in time and effectively, it is likely to have a negative impact on regional finance. Therefore, the government must consider how to play its regulatory and regulatory role. Sichuan is the first batch of small loan pilot provinces, and has its unique features in geographical environment, economic development and so on. After two earthquakes in 2008 and 2013, the reconstruction of the disaster areas also needed financial support. In such a special development environment, Sichuan's small loan companies have more complex development environment than other provinces and cities, which means more challenges for the supervision of Sichuan's local governments. This paper introduces the concept of small loan companies, small loan companies and domestic and international research present situation and development, analyzes the trend of development of small loan companies at home and abroad, urgent need small loans from the company of the whole industry, regulatory norms, risk control and avoidance of small loans to the company's principle, mode, government regulation the characteristics, functions, methods and legal basis for expansion, follow the general idea of combination of theory and empirical research, to develop policy of microfinance companies in Sichuan Province as the main problem, through analysis of the status of small loan companies, in recognition of its market economy to promote and solve SMEs' financing problems at the same time, it points out many the existing problems. The phenomenon of the absence of local government exists in the service and management, the factors resulting in problems plagued the development and positioning system in suspense of the legal issues, regulatory issues of small loan company growth analysis, summed up the current microfinance industry regulation in Sichuan province work problems, analyze the causes of the problems, this practice, the construction of our province microfinance company management and effective supervision mechanism of the achievements and existing problems, finally puts forward some countermeasures and suggestions on the microfinance industry standard management mechanism construction. Starting from the reasonable positioning of microfinance companies, we should standardize and establish the operation of small loan companies in order to better promote the healthy and rapid development of the industry.
【學(xué)位授予單位】：電子科技大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類(lèi)號(hào)】：F832.4

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本文編號(hào)：1338431