我国农村金融监管体系构建

发布时间：2018-03-20 16:32

本文选题：农村金融　切入点：差别监管　出处：《武汉工程大学》2013年硕士论文　论文类型：学位论文

【摘要】：科学的金融监管制度直接关系着一国金融市场的安全与发展。我国农村金融监管制度存在的缺陷严重阻碍了农村金融市场的发展，同时更是影响了社会主义新农村的建设、阻滞了现代化的进程。我国现存的农村金融监管被简单地放置于全国统一的金融监管体系之内、适用统一的金融监管制度，缺乏针对性、效率低下，潜伏的风险隐患暗流涌动，严重威胁着我国的金融安全，因而重新构建我国农村金融监管体系势在必行。构建我国农村金融监管体系应当充分考虑中国农村金融市场的实际情况和农村金融业务的特点。一个含有多元监管主体、包括民间金融等多种监管对象在内、具有中国特色的农村金融监管体系；并从单纯的合规性监管、统一监管模式转向以风险性监管、分类监管、差别监管为主的监管模式应当是我国农村金融监管体系的最优择。本文分五部分阐述。第一部分：绪论。具体阐述了本文的选题背景和研究意义，介绍了国内外有关农村金融监管的研究概况，，提出了本文的研究思路、方法以及创新点。第二部分：农村金融监管概述。提出了农村金融监管的概念及其必要性。第三部分：我国农村金融监管现存问题。首先回顾了我国农村金融监管的发展历史，从法律、法规、设备、自律监管这几个方面系统阐述了目前我国农村金融监管的现状。并指出了目前我国农村金融监管存在的问题。第四部分：我国农村金融监管现存问题原因分析。针对我国农村金融监管存在的问题，从历史、农村金融机构内在矛盾、民间金融立法缺失以及监管手段落后等方面分析了我国农村金融监管存在问题的深层次原因。第五部分：我国农村金融监管的完善。在借鉴国外有关国家农村金融监管经验的基础上，提出从健全农村金融法律制度、完善农村金融监管体系以及构建科学的农村金融监管制度三个方面完善我国农村金融监管制度。
[Abstract]:The scientific financial supervision system is directly related to the security and development of a country's financial market. The defects of our country's rural financial supervision system seriously hinder the development of the rural financial market, and at the same time, it also affects the construction of a new socialist countryside. The existing rural financial supervision in our country is simply placed in the unified financial supervision system of the whole country, which is applicable to the unified financial supervision system, lacking pertinence, low efficiency, latent risks and hidden dangers. It is a serious threat to the financial security of our country. Therefore, it is imperative to rebuild the rural financial supervision system of our country. To construct the rural financial supervision system of our country, we should fully consider the actual situation of the rural financial market and the characteristics of the rural financial business in China. The rural financial supervision system with Chinese characteristics, including various regulatory objects such as private finance, has changed from simple compliance supervision and unified supervision mode to risk supervision and classified supervision. The mode of differential supervision should be the best choice of rural financial supervision system in China. This paper is divided into five parts. The first part: introduction. This paper describes the background and significance of this paper, introduces the domestic and foreign research on rural financial supervision, and puts forward the research ideas of this paper. Methods and innovations. The second part: an overview of rural financial supervision. The concept and necessity of rural financial supervision are put forward. The third part: the existing problems of rural financial supervision in China. Firstly, the development history of rural financial supervision in China is reviewed. From laws, regulations, equipment, This paper systematically expounds the present situation of rural financial supervision in China, and points out the existing problems in rural financial supervision in China. Part 4th: analysis of the causes of the existing problems in rural financial supervision in China. In view of the problems existing in rural financial supervision in China, From history, the inherent contradictions of rural financial institutions, This paper analyzes the deep reasons of the problems existing in the rural financial supervision in our country from the aspects of the lack of legislation on folk finance and the backwardness of the supervision methods. Part 5th: the perfection of the rural financial supervision in our country, and draw lessons from the rural gold of the countries concerned in foreign countries. Based on regulatory experience, This paper puts forward three aspects: perfecting the rural financial legal system, perfecting the rural financial supervision system and constructing the scientific rural financial supervision system in order to perfect the rural financial supervision system of our country.
【学位授予单位】：武汉工程大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.1

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