我国地方政府金融管理权法律问题研究

发布时间：2018-02-01 11:15

本文关键词： 地方政府地方分权金融管理权　出处：《中央民族大学》2015年硕士论文　论文类型：学位论文

【摘要】：随着我国金融发展的不断深化,金融业对其发展环境提出了新的要求。金融发展不仅需要更宽松的政策支持,而且对金融管理的理念、主体、方式方法等都提出了新的挑战。我国经济现在处于高速发展的时期,对金融的现实需求也只会有增无减,但是我国金融同样存在着粗放式的弊端,数量多但质量不高、面广但深度不够。同时在金融管理方面,我国也存在着诸多风险和不足,如重复监管与监管真空并存,中央紧握监管权忽视地方政府管理需求,民间金融活跃却得不到有效引导,金融发展与实体经济相脱节,金融风险防范机制缺位等。但是随着我国市场经济的不断发展,地方经济作为后起之秀必将撑起我国经济发展的大旗。在这一大的趋势下,地方金融自然也会迎来一轮新的崛起,同时对我国地方政府的执政能力和金融管理能力也将提出更高的要求。立足于我国地方政府金融管理权问题,笔者从我国地方与中央分权的概况切入,以立法分权和财税分权引出金融管理分权,对地方政府金融管理分权的理论基础进行了分析。地方政府金融管理权的设立有其必然性与合理性,地方政府拥有适当的金融管理权,一方面可以弥补现行金融管理制度存在的监管空白,同时可以调动地方政府对地方金融发展的能动性,让地方政府慢慢涉足金融管理,在实践中提升发展和管理金融的能力。在理论基础分析的基础上,以三个较为典型的省市——上海市、温州市、安徽省为对象进行实证分析,剖析我国地方政府在管理地方金融活动中的特点和不足。地方政府金融管理权缺乏更高位阶法律的确认、地方政府金融管理权与中央监管权责界限不明、地方政府金融管理体系尚不完善、地方政府与中央金融管理权可能存在冲突。这些问题都是在完善地方政府金融管理权过程中需高度关注的。日本和美国作为金融发展较为成熟的两个国家,在地方政府金融管理方面各自具有独特之处。日美两国在地方政府金融管理实践中经验丰富,有许多值得我们学习的创新之举,如日本的地方融资平台、地方债券制度,美国的存款保险制度、牌照升级转换制度等。我国虽然没有立法确认地方政府的金融管理权,但现实中地方政府早已涉足,在借鉴国外经验和做法的基础上,结合我国实际,笔者从地方政府金融管理的目标定位、管理体系、法律完善和管理方法四个方面提出了完善和创新我国地方金融管理权的一些措施。
[Abstract]:With the continuous deepening of China's financial development, the financial industry has put forward new requirements for the development of the environment. The financial development requires not only a more lenient policy support, but also to the financial management concept, the main methods are put forward new challenges. China's economy is now in a period of rapid development, the real demand for financial it will only increase, but there are also drawbacks of China's financial extensive quantity, but the quality is not high, but a wide range of depth is not enough. At the same time in the field of financial management in our country, there are many risks and problems, such as repeated supervision and vacuum supervision, the central supervision of local government management ignored the right grip demand, private finance is active but not effective guidance, financial development and economic separation, financial risk prevention mechanism is vacant. But with the development of market economy in China, the local economy as a newcomer The show will support the economic development of our country's banner. In this general trend, local finance will usher in a new round of rise, at the same time on our local government's ruling ability and financial management ability will also put forward higher requirements. Based on the problems of China's local government financial management. Starting from the situation of China's central and local government decentralization, decentralization and fiscal decentralization in legislation leads to financial management decentralization, analyzed the theoretical basis of local government financial management decentralization. The establishment of local government financial management right has its inevitability and rationality, local governments have the appropriate financial management right, one can make up there the current system of financial management and regulatory gaps, the local government can mobilize the initiative of local financial development, so that the local government gradually involved in financial management, and enhance the development of financial management in practice Ability. Based on theoretical analysis based on the three typical provinces and cities - Shanghai City, Wenzhou City, Anhui Province as the object of empirical analysis, analysis of China's local government characteristics in the management of local financial activities and lack of financial management. The lack of power to the local government confirmed more high-level legal boundaries, where the government financial management authority and central regulatory responsibilities is unknown, the local government financial management system is not perfect, the right of the government and the central financial management of local conflicts. These problems are in perfect financial management right of local government in need of attention. Japan and the United States as the two country financial development more mature, in the local government financial management aspects of each is unique. The two countries in the practice of local government financial management experience, there are many worthy of our learning innovations, such as the Local financing platform, local bond system, the deposit insurance system, the license to upgrade the conversion system. Although our country has no legislative confirmation of local government financial management right, but in reality the local government has been involved, based on foreign experiences and practices, with the reality of our country, the management system from the target location, place government financial management, and puts forward some measures for the improvement and innovation of local financial management authority in China in four aspects of law and management methods.

【学位授予单位】：中央民族大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D922.28

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