本文關(guān)鍵詞： 合作金融 監(jiān)管有效性 法人治理結(jié)構(gòu) 行業(yè)自律　出處：《蘭州大學(xué)》2015年碩士論文　論文類型：學(xué)位論文

【摘要】：自從2003年啟動(dòng)農(nóng)村合作金融改革試點(diǎn)以來,銀監(jiān)會(huì)在黨中央、國(guó)務(wù)院的統(tǒng)一部署之下,協(xié)同人民銀行、財(cái)政部、稅務(wù)總局和地方各級(jí)黨政機(jī)關(guān),立足我國(guó)基本國(guó)情,精心規(guī)劃監(jiān)管總體框架,扎實(shí)推進(jìn)監(jiān)管細(xì)節(jié),加速了農(nóng)村合作金融監(jiān)管的規(guī)范化進(jìn)程,取得了農(nóng)村合作金融監(jiān)管的顯著成果。然而,伴隨著我國(guó)政治、經(jīng)濟(jì)、金融體制改革的逐步推進(jìn),我國(guó)農(nóng)村合作金融機(jī)構(gòu)所存在的突出問題和尖銳矛盾也成為制定經(jīng)濟(jì)政策時(shí)不得不面對(duì)的嚴(yán)峻形勢(shì)。我國(guó)農(nóng)村合作金融機(jī)構(gòu)正在逐步顯現(xiàn)的金融脆弱性,不但使得其支持農(nóng)村、服務(wù)農(nóng)村的經(jīng)營(yíng)宗旨有名無實(shí),甚至成為了非法集資、非法吸收存款等金融犯罪的重災(zāi)區(qū),也成為威脅農(nóng)村金融體系穩(wěn)定的重大隱患,嚴(yán)重阻礙了農(nóng)村合作金融自身經(jīng)營(yíng)發(fā)展和農(nóng)村經(jīng)濟(jì)繁榮。本文立足于我國(guó)農(nóng)村合作金融法律監(jiān)管現(xiàn)狀及服務(wù)農(nóng)村經(jīng)濟(jì)的宗旨,在結(jié)合國(guó)內(nèi)外研究成果的基礎(chǔ)之上,探討了完善農(nóng)村合作金融監(jiān)管法律制度的具體措施。文章總體分為四個(gè)部分。第一部分重點(diǎn)闡述農(nóng)村合作金融監(jiān)管的基本概念,在介紹農(nóng)村合作金融思想來源的羅虛戴爾原則前提之下,逐步對(duì)于合作金融、合作社和金融監(jiān)管的概念、組成體系和手段等基礎(chǔ)理論做出解釋,強(qiáng)調(diào)了現(xiàn)階段我國(guó)加強(qiáng)農(nóng)村合作金融監(jiān)管的必要性。文章第二部分詳細(xì)介紹了農(nóng)村合作金融監(jiān)管現(xiàn)狀,主要包括現(xiàn)行法律法規(guī)中關(guān)于農(nóng)村合作金融監(jiān)管的措施、方法和市場(chǎng)準(zhǔn)入、退出機(jī)制等問題的規(guī)定,宏觀地分析了我國(guó)農(nóng)村合作金融監(jiān)管制度的不足,并積極探討導(dǎo)致缺陷的原因。文章第三部分,立足于它山之石可以攻玉的現(xiàn)實(shí)目的,重點(diǎn)詳實(shí)介紹了德國(guó)、美國(guó)、法國(guó)、日本、印度五個(gè)發(fā)達(dá)國(guó)家的農(nóng)村合作金融監(jiān)管制度,為我國(guó)農(nóng)村合作金融監(jiān)管提供了可以參考的有益借鑒。文章第四部分在總結(jié)上文的基礎(chǔ)之上,條分縷析地提出了完善我國(guó)農(nóng)村合作金融監(jiān)管制度的具體針對(duì)性建議,包括建立完善的監(jiān)管環(huán)境,為農(nóng)村合作金融監(jiān)管提供制度供給和構(gòu)建農(nóng)村合作金融監(jiān)管制度實(shí)施框架兩方面的內(nèi)容。細(xì)化而言,完善監(jiān)管環(huán)境包含通過制定《農(nóng)村合作金融法》來界定農(nóng)村合作金融的法律性質(zhì)、明確農(nóng)村合作金融組織法律地位、明確農(nóng)村合作金融運(yùn)行管理機(jī)制、增加政策扶持免除農(nóng)村合作金融所得稅和健全市場(chǎng)準(zhǔn)入、完善退出機(jī)制等方面。構(gòu)建農(nóng)村合作金融監(jiān)管制度框架,包括界定監(jiān)管邊界、選擇合適監(jiān)管模式、改進(jìn)監(jiān)管辦法提高監(jiān)管水平和提高監(jiān)管人員業(yè)務(wù)素質(zhì)等內(nèi)容。
[Abstract]:Since 2003, the CBRC has cooperated with the people's Bank of China, the Ministry of Finance, the General Administration of Taxation and the local party and government organs at all levels under the unified arrangement of the CPC Central Committee and the State Council. Based on the basic conditions of our country, carefully planning the overall framework of supervision, promoting the regulatory details, accelerating the standardization of rural cooperative financial supervision process, and achieved remarkable results of rural cooperative financial supervision. Along with the political, economic, financial system reform of China's gradual progress. The prominent problems and sharp contradictions in rural cooperative financial institutions in China have become the severe situation that we have to face when formulating economic policies. The financial fragility of rural cooperative financial institutions in China is gradually emerging. Not only makes it support the rural areas, serving the rural business purposes are nominal, and even become illegal fund-raising, illegal deposit absorption and other financial crimes in the disaster area, but also become a threat to the stability of the rural financial system. The development of rural cooperative finance and the prosperity of rural economy are seriously hindered. This paper is based on the current situation of rural cooperative finance in China and the purpose of serving rural economy. On the basis of combining domestic and foreign research results. The article is divided into four parts. The first part focuses on the basic concept of rural cooperative financial supervision. On the premise of introducing the Rochudell principle of rural cooperative finance, this paper explains the basic theories of cooperative finance, cooperatives and financial supervision, such as the concept, composition system and means of financial supervision. This paper emphasizes the necessity of strengthening the supervision of rural cooperative finance in China at the present stage. The second part of the article introduces the current situation of rural cooperative finance supervision in detail, including the current laws and regulations on rural cooperative financial supervision measures. Methods, market access, exit mechanism and other issues, macro analysis of China's rural cooperative financial supervision system deficiencies, and actively explore the causes of defects. The third part of the article. Based on the realistic purpose of attacking jade, the paper introduces the rural cooperative financial supervision system of Germany, the United States, France, Japan and India in detail. It provides a useful reference for the supervision of rural cooperative finance in China. Part 4th is based on the summary above. In this paper, the author puts forward some specific suggestions to improve the supervision system of rural cooperative finance, including the establishment of a sound regulatory environment. For rural cooperative financial supervision to provide institutional supply and construction of rural cooperative financial supervision system implementation framework of two aspects. Perfecting the regulatory environment includes defining the legal nature of rural cooperative finance, clarifying the legal status of rural cooperative financial organizations, and clarifying the operation and management mechanism of rural cooperative finance through the formulation of the Rural Cooperative Finance Law. Increase policy support to exempt rural cooperative financial income tax and improve market access, improve the withdrawal mechanism. Build a rural cooperative financial regulatory system framework, including defining regulatory boundaries, choosing the appropriate regulatory model. To improve the supervision methods and improve the level of supervision and improve the professional quality of supervisors and so on.
【學(xué)位授予單位】：蘭州大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類號(hào)】：D922.28

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