重庆市地方金融监管问题研究

发布时间：2018-03-22 04:21

本文选题：地方政府　切入点：金融监管　出处：《重庆大学》2016年硕士论文　论文类型：学位论文

【摘要】：地方金融监管是我国二元化金融监管体制中的重要组成部分,承担着对银行业、证券业及保险业以外的中小型类金融机构履行监管职能的重要职责,在促进区域性金融发展、防范和处置金融风险中扮演着重要的角色。随着我国金融业的不断发展,金融业由“分业经营”逐步向“混业经营”发展,“分业监管”的金融监管体制已不能完全满足金融监管的实际需求。近年来,国内外学者对中央与地方两级金融监管做了大量的研究和探索,取得了一定成效。但是由于地方金融监管的提出较晚,包括重庆地区在内的地方金融监管在实践中仍面临法律体系不完备、监管权责不对等、中央与地方金融监管目标不统一、监管力量薄弱等因素导致的体制、机制等多方面问题。笔者首先在大量阅读借鉴相关文献的基础上,综合运用公共管理学、金融学等相关理论,运用定量分析、文献综述、比较分析等研究方法对重庆地方政府金融监管问题进行深入分析和研究。阐述了金融监管的基础理论及地方金融监管的由来和责任划分。简述了重庆地方金融监管的主体、客体、内容和成效。详尽分析了重庆地方金融监管存在法律依据欠缺、“分业监管”制度导致金融监管缺陷、重庆地方金融监管存在监管真空、面临资源紧缺等四个方面的问题。借鉴国内外先进经验,提出了具体设想,即:加强重庆地方金融监管立法;借鉴美国金融大部制改革,争取试点开展金融体制改革,着力解决“分业监管”弊端;借鉴英美网络金融监管制度及温州民间借贷监管经验,完善相关领域监管制度,填补重庆金融监管真空区;加大财政、人员编制等资源的倾斜力度等四项有针对性的意见建议。
[Abstract]:Local financial supervision is an important part of the dual financial supervision system in China. It has the important responsibility of performing the supervisory function to the small and medium-sized financial institutions other than the banking, securities and insurance industries, and is promoting the development of regional finance. Prevention and disposal of financial risks play an important role. With the continuous development of the financial industry in China, The financial industry has gradually developed from "separate operation" to "mixed operation", and the financial supervision system of "separated supervision" can no longer fully meet the actual needs of financial supervision. Scholars at home and abroad have done a lot of research and exploration on financial supervision at the central and local levels, and achieved some results. However, due to the late development of local financial supervision, In practice, local financial supervision, including Chongqing, still faces a system caused by incomplete legal system, unequal supervision powers and responsibilities, disunity of central and local financial supervision objectives, weak regulatory power, etc. First of all, on the basis of reading a lot of relevant literature, the author synthetically applies the relevant theories, such as public management, finance and so on, and applies quantitative analysis, literature review, and so on. Comparative analysis and other research methods are used to deeply analyze and study the financial supervision of local government in Chongqing. The basic theory of financial supervision and the origin and responsibility division of local financial supervision are expounded, and the main body of local financial supervision in Chongqing is briefly described. The object, content and effect. This paper analyzes in detail the lack of legal basis of local financial supervision in Chongqing, the defect of financial supervision caused by "separate supervision" system, and the existence of a regulatory vacuum in local financial supervision in Chongqing. Facing four problems, such as shortage of resources, drawing lessons from advanced experience at home and abroad, this paper puts forward some concrete ideas, that is, strengthening local financial supervision legislation in Chongqing, drawing lessons from the large-scale financial system reform in the United States, and striving to carry out the financial system reform on a pilot basis. Focus on solving the malpractice of "separate supervision"; learn from the British and American network financial supervision system and Wenzhou folk loan supervision experience, perfect the relevant regulatory system, fill Chongqing financial supervision vacuum area; increase finance, Staffing and other resources such as the strength of the four targeted suggestions.
【学位授予单位】：重庆大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F832.1

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