论我国村镇银行法律制度的完善

发布时间：2018-04-03 04:18

本文选题：村镇银行　切入点：金融安全　出处：《西南政法大学》2014年硕士论文

【摘要】：村镇银行作为新型农村金融组织之一，自第一家成立以来，在我国已然成高速增长之态势。村镇银行是应国家统筹城乡发展，推进新农村建设，服务“三农”、“小微”目标而出现的。作为特殊的商业银行，村镇银行兼具政策性与盈利性。由于其独特的角色定位，现已成为我国农村金融市场重构过程中的主力军，不仅满足了许多农户、乡镇企业的信贷需求，同时也为农村经济的发展提供了坚实的资本支持。然而，伴随村镇银行的迅速成长，越来越多的问题不断暴露出来，尤其在法律制度层面出现了种种缺陷，但现有的研究尚显零碎，亦无灵活的应对措施，故难以对村镇银行的进一步发展，尤其是制度创新和健全给予充足的智力支持。因此，需要运用系统思维，以多学科知识为分析依据，从整体角度构思，完善当前我国村镇银行的法律制度，为其持续性发展提供良好的法律环境，无疑具有重要的理论价值与现实意义。本文基于“金融安全”视野，除引言和结语外，文章分为四个部分加以论述：第一部分，介绍村镇银行的概况。以法律法规的梳理为基础，首先对村镇银行的概念进行界定，后着重概括其特征，最终展示村镇银行的重要作用。第二部分，从不同角度揭示村镇银行法律制度的现状，并深入地剖析了其存在问题的根本原因。论述中以客观现实为依据，严肃对待现有问题，最终推出真正的背后原因。第三部分，是对域外村镇银行先进经验的分析与借鉴。由于孟加拉国与我国情况类似，同为发展中国家，，虽然我国经济发展程度高于孟加拉国，但是在村镇银行的发展方面，后者的水平远远高于我国，尤其对于中西部地区的农村而言，该国的成功经验具有重要的参考价值。因此，我国应当在考量现实国情的基础上，充分吸收该国的成功经验。第四部分，是文章的核心所在。主要选择了立法理念、设立路径、监管制度、配套制度、内控机制、外资村镇银行等几方面相应的法律制度，对其完善提出了具体建议。结合前文的论述，以国内外研究成果为基础，以域外经验为参考，以现实问题为依据，最终从不同的角度为村镇银行的法律制度完善提出了构想与建议。
[Abstract]:Village bank, as one of the new rural financial organizations, has been growing rapidly in our country since it was first established.The village bank is in line with the country's overall planning of urban and rural development, promoting the construction of new rural areas, serving the "three rural areas", "small micro" goals.As a special commercial bank, village bank has both policy and profitability.Because of its unique role, it has become the main force in the reconstruction of rural financial market in China. It not only meets the credit needs of many farmers and township enterprises, but also provides a solid capital support for the development of rural economy.However, with the rapid growth of village banks, more and more problems have been exposed, especially in the legal system, but the existing research is still fragmented, and there are no flexible countermeasures.Therefore, it is difficult to provide sufficient intellectual support for further development of village banks, especially institutional innovation and perfection.Therefore, it is necessary to use systematic thinking, take multi-disciplinary knowledge as the basis of analysis, conceive from the whole angle, perfect the current legal system of the village bank of our country, and provide a good legal environment for its sustainable development.Undoubtedly, it has important theoretical value and practical significance.Based on the perspective of "financial security", this article is divided into four parts, in addition to the introduction and conclusion.The first part introduces the general situation of the village bank.Based on the combing of laws and regulations, this paper first defines the concept of village bank, then generalizes its characteristics, and finally shows the important role of village bank.The second part reveals the present situation of village bank legal system from different angles, and deeply analyzes the root cause of its existing problems.On the basis of objective reality, the author takes the existing problems seriously and finally puts forward the real reasons behind them.The third part is the analysis and reference to the advanced experience of foreign village bank.Because Bangladesh is a developing country similar to ours, although our economic development is higher than that of Bangladesh, the level of the latter is far higher than that of China in terms of the development of village and town banks.Especially for the rural areas of the central and western regions, the country's successful experience has an important reference value.Therefore, China should fully absorb its successful experience on the basis of considering the actual situation.The fourth part is the core of the article.This paper mainly chooses the corresponding legal system of legislation idea, establishment path, supervision system, supporting system, internal control mechanism, foreign capital village and town bank and so on, and puts forward some concrete suggestions for its perfection.Combined with the previous discussion, based on the domestic and foreign research results, taking the overseas experience as the reference, and taking the practical problems as the basis, the author finally puts forward some ideas and suggestions for the perfection of the legal system of the village banks from different angles.
【学位授予单位】：西南政法大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：D922.281

【参考文献】