我国第三方理财机构法律监管问题研究

发布时间：2018-04-29 12:29

本文选题：第三方理财机构 + 监管法律　；参考：《山西财经大学》2015年硕士论文

【摘要】：随着我国经济的快速发展，人们的收入状况得到极大的改善，拥有了较多的财富。为了让财富保值增值，人们开始寻找投资方向和理财渠道。自此我国理财行业迎来了发展的春天，涌现出很多的第三方理财机构，比如诺亚财富。第三方理财机构的出现，极大丰富了我国金融产品的种类、增强了金融市场的活力，同时也为人们提供了更有效的投资渠道、提高了社会经济资源配置效率。但是，我国第三方理财机构在快速发展的同时种种乱象也充斥着整个市场，造成这种现象的原因有很多，其中最主要的原因就是第三方理财市场缺乏有效的监管、处于法律的“真空”状态，如果不对第三方理财市场加以规范和监管，将会对第三方理财机构的发展和金融理财市场的发展产生不利的影响。因此，通过法律监管可以引导第三方理财机构步入正确的发展轨道。本文是在国家对影子银行实施监管的大环境下，针对第三方理财机构法律监管问题进行进一步的研究。重点从经济法的角度分析第三方理财的法律性质、第三方理财机构的优势与隐含的风险，以及我国第三方理财机构法律监管存在的问题等，同时还多方面比较分析了国外一些发达国家对于第三方理财机构的法律监管经验，结合我国第三方理财机构法律监管的现状与不足提出相应的完善对策。在写作过程中主要采用了实证研究方法、比较分析方法和历史研究方法。首先，，运用实证研究方法，通过网站查询等方式对国内外第三方理财机构的监管进行了大量的观察与调查，在总结经验的基础上得出，要想第三方理财机构在我国健康发展需要制定相关的法律法规、明确相应的监管主体等；其次，采用比较分析方法，通过比较国内外第三方理财机构的发展状况，以及分析国外如美国、澳大利亚等国家对第三方理财机构的法律监管经验，以期从中找出完善我国第三方理财机构法律监管的方法；最后，还运用了历史研究方法，通过对第三方理财机构的起源和历史演变进行归纳分析，了解了第三方理财机构的内涵与特点。我国第三方理财机构法律监管问题研究涉及法律与经济两大领域。本文将法学与经济学相结合，以法学研究为主、经济学研究为辅，从经济学角度出发对第三方理财机构的基础知识进行阐述，在法律领域内对第三方理财机构的法律性质作出界定，将法学和经济学有关知识进行链接，从而更加深入地对我国第三方理财机构法律监管这一重要问题进行研究。
[Abstract]:With the rapid development of China's economy, people's income situation has been greatly improved and has a lot of wealth. In order to keep wealth and value, people began to look for investment direction and financial channels. Since then, our financial industry has been in the spring of development, and many third party financial institutions, such as Noah wealth, third party finance, have emerged. The emergence of the institutions has greatly enriched the types of our financial products, enhanced the vitality of the financial market, and provided more effective investment channels for people, and improved the efficiency of the allocation of social and economic resources. However, the rapid development of the third party financial institutions in China is also flooded with the whole market, causing this phenomenon. There are many reasons, the main reason is that the third party financial market lacks effective supervision and is in the "vacuum" state of the law. If the third party financial market is not regulated and regulated, it will have an adverse effect on the development of the third party financial institutions and the development of the financial financial market. Therefore, the legal supervision can be achieved. To guide the third party financial institutions to enter the right track of development.
This paper makes a further study on the legal supervision of the third party financial institutions under the environment of the state's implementation of the shadow banking supervision. The emphasis is on the legal nature of the third party financial management, the advantages and implied risks of the third party financial institutions, and the existence of the legal supervision of the third party financial institutions in China. At the same time, we also compare and analyze the legal supervision experience of some foreign developed countries for the third party financial institutions, and put forward the corresponding countermeasures in combination with the current situation and deficiency of the legal supervision of the third party financial institutions in China.
In the process of writing, it mainly uses empirical research method, comparative analysis method and historical research method. First, it uses empirical research methods to observe and investigate the supervision of third party financial institutions at home and abroad by means of website inquiry and so on. On the basis of summarizing the experience, it is concluded that the third party financial institutions are in our country. The healthy development needs to formulate relevant laws and regulations, clarify the corresponding regulatory body, and so on. Secondly, the comparative analysis method is adopted to compare the development status of the third party financial institutions at home and abroad, and to analyze the legal supervision experience of foreign countries such as the United States and Australia on the third party financial institutions, in order to find and perfect our country. The method of the legal supervision of the three party financial institutions; finally, it also uses the historical research method. Through the induction and analysis of the origin and historical evolution of the third party financial institutions, the connotation and characteristics of the third party financial institutions are understood.
The research on the legal supervision of the third party financial institutions in China involves two major fields of law and economy. This paper combines law and economics, takes legal research as the main and economic research as a supplement, expounds the basic knowledge of the third party financial institutions from the economic point of view, and the legal nature of the third party financial institutions in the legal field. To make a definition and link the relevant knowledge of law and economics, so as to further study the important issue of the legal supervision of the third party financial institutions in China.

【学位授予单位】：山西财经大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D922.29

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