普惠金融理念下西部社区银行法律促进探讨

发布时间：2018-05-18 11:40

本文选题：社区银行 + 普惠金融　；参考：《西北大学》2015年硕士论文

【摘要】：在国家大力倡导普惠金融政策的时候,发展社区银行是实现普惠金融的重要措施,社区银行的发展有助于完善西部省份金融服务体系,社区银行的出现不仅能为社会提供有别与传统银行差异化的服务而且能为银行降低运营成本,并且在未来的金融竞争中,社区银行领域一定是争夺的重点领域。未来国家层面要及时出台监管社区银行的法律条文,以法律促进社区银行的发展有利于社会经济稳定,如何利用社区银行为西部经济发展保驾护航成了西部省份的一项重要任务。全文主要内容共分个三部分：第一部分是绪论。本章节主要介绍了我国要大力发展普惠金融政策这一背景,引出了如何对社区银行进行有效监管这一研究对象,并介绍了相关的研究方法。第二部分是针对社区银行在中国的现状提出的一些发展中存在的弊端。本章节结合着中国当前发展的实际介绍了社区银行在中国出现的原因和发展现状,并且根据各家银行在西部地区设立社区银行发展的现状分析了社区银行发展中存在的问题与发展的制约因素。第三部分是针对社区银行发展中所存在的问题提出了合理化的法律对策。本章节主要结合着中国当前金融环境建设和西部地区发展实际,并且针对如何监管社区银行才能发挥出其在西部地区普惠金融的作用从四个方面制度建设提出了详细的法律促进建议。
[Abstract]:When the country vigorously advocated inclusive financial policies, the development of community banks was an important measure to achieve inclusive finance. The development of community banks helped to improve the financial service system in western provinces. The emergence of community banks can not only provide different services from traditional banks, but also reduce operating costs for banks. In the future financial competition, community banking must be the focus of competition. In the future, at the national level, the legal provisions governing community banks should be issued in a timely manner, so as to promote the development of community banks by law, which is conducive to social and economic stability. How to use community banks to protect the economic development of western China has become an important task in western provinces. The main content of this paper is divided into three parts: the first part is the introduction. This chapter mainly introduces the background of developing inclusive financial policy in China, leads to the research object of how to effectively supervise the community banks, and introduces the relevant research methods. The second part is to put forward some defects in the development of community banks in China. This chapter introduces the reasons for the emergence of community banks in China and the current situation of their development in combination with the reality of China's current development. According to the current situation of the establishment of community banks in the western region, this paper analyzes the problems existing in the development of community banks and the restrictive factors of their development. The third part is to put forward reasonable legal countermeasures against the problems existing in the development of community banks. This chapter mainly combines the current financial environment construction of China and the reality of the development of the western region. And how to supervise the community banks in order to play its role in the western region inclusive financial system from four aspects of the construction of detailed legal promotion suggestions.
【学位授予单位】：西北大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D922.281

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