我国民间金融规范发展研究

发布时间：2018-05-26 21:45

本文选题：民间金融 + 规范发展　；参考：《中共陕西省委党校》2015年硕士论文

【摘要】：我国市场经济的发展,促进了民营经济的迅速成长,民营经济对资金的需求日益增加,市场资金供给缺口越来越大,尤其是从2008年金融危机后,资金短缺越来越明显。巨大的资金缺口加速了民间金融的发展,市场规模巨大的民间金融对我国经济社会的发展已经产生了重要影响。但是,由于民间金融始终游离于政府及金融监管部门的监管和约束之外,极具隐蔽性,民间金融市场存在很多不规范的地方。首先,有关民间金融市场资金的具体规模大小和资金数量的难以完整地统计出来,统计出的民间金融数据不太准确,政府决策部门可能会对民间金融市场做出错误的估计和判断,这样会影响到我国央行实施货币政策进行宏观调控时的效果;其次,民间金融极具隐蔽性,很多民间金融活动在“地下”进行,这样会导致很多经济纠纷案件的发生,影响到投资者的财产权益;第三,民间金融的发展是基于信用的基础上,而民间金融的信用体系又非常薄弱,极易出现企业老板赖账跑路现象,而追讨债务有时又参杂黑社会成分,容易导致暴力事件的发生,破坏社会的稳定、和谐。因此,探讨如何对民间金融进行规范,促进民间金融健康发展,使民间金融成为我国金融市场的有生力量,促进金融市场的繁荣和稳定显得非常有必要而且紧迫。在对我国民间金融发展现状阐述的基础上,分析了我国民间金融发展中存在的规范不足问题,探讨了民间金融规范不足的原因。在对民间金融规范发展的外部经验及其借鉴价值进行分析的基础上,提出了今后我国民间金融规范发展的对策思考,通过深化金融体制改革,加强金融创新、建立健全民间金融相关法律法规、强化政府监管通过民间金融自律机制的建设,加强民间金融的自我约束;通过民间金融产权制度的规范,明确民间金融的地位;通过民间金融风险预警体系的构建,增强民间金融的抗风险能力。规范民间金融的发展有利于完善我国金融市场的建设、加快我国金融体制改革的进程。
[Abstract]:The development of the market economy in our country has promoted the rapid growth of the private economy. The demand for funds in the private economy is increasing day by day, and the shortage of funds in the market is becoming more and more large, especially since the financial crisis of 2008, when the shortage of funds becomes more and more obvious. The huge fund gap accelerates the development of private finance, and the huge market scale of private finance has had an important impact on the development of our country's economy and society. However, because the private finance is always outside the supervision and restriction of the government and the financial supervision department, it is very hidden, there are a lot of irregularities in the private financial market. First of all, it is difficult to complete statistics on the specific size and amount of private financial market funds, and the statistics on private financial data are not very accurate. Government policy-making departments may make erroneous estimates and judgments on the private financial market, which will affect the effectiveness of the central bank in carrying out macro-control when monetary policy is implemented. Secondly, private finance is extremely hidden. Many private financial activities are carried out "underground", which will lead to many cases of economic disputes and affect the property rights and interests of investors. Third, the development of private finance is based on credit. But the credit system of folk finance is very weak, it is easy to appear the phenomenon that the enterprise boss is on the run, and the recovery of debts is sometimes mixed with the underworld elements, which can easily lead to the occurrence of violent events and destroy the stability and harmony of the society. Therefore, it is necessary and urgent to discuss how to standardize the folk finance, promote the healthy development of the folk finance, make the folk finance become the living force of the financial market of our country, and promote the prosperity and stability of the financial market. On the basis of expounding the present situation of the development of folk finance in our country, this paper analyzes on the deficiency of norms in the development of folk finance in our country, and probes into the reasons for the insufficiency of the norms of folk finance in our country. Based on the analysis of the external experience and the reference value of the development of the folk financial norm, this paper puts forward the countermeasures for the development of the folk financial norm in our country in the future, and strengthens the financial innovation by deepening the reform of the financial system. Establishing and perfecting the laws and regulations related to the folk finance, strengthening the government supervision and strengthening the self-restraint of the folk finance through the construction of the self-discipline mechanism of the folk finance, clarifying the position of the folk finance through the regulation of the property right system of the folk finance; Through the construction of private financial risk warning system, strengthen the ability of private finance to resist risks. Standardizing the development of private finance is conducive to perfecting the construction of our financial market and speeding up the reform of our financial system.
【学位授予单位】：中共陕西省委党校
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.3

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