民间金融监管模式创新研究

发布时间：2019-01-17 08:53

【摘要】：民间金融作为正规金融的补充,其存在由来已久,不可否认其在支持民营经济快速发展、为正规金融体系注入竞争因素等方面发挥了积极作用,但随着其规模的日益扩大也逐渐暴露出一些问题,影响了经济社会的平稳发展。 2003年国家首次对民间金融的发展给予了政策支持,这一改革旨在鼓励和支持民间资本参与地方金融机构改革,意味着民间金融将会被逐步纳入国家正规金融体系中。2012年新提出金融综合改革作为化解高利贷等民间金融畸形发展形态、引导民间金融健康有序发展的长效机制。本文重点研究了民间金融纳入管控后,金融行业主管部门、各级地方政府如何才能充分发挥其金融监管作用,管控好民间金融这匹野马,充分发挥其对现有正规金融的有效补充作用,以期寻找一种适合中国金融特色的民间金融监管模式。日前,由于民间金融一直处于国家金融监管体系之外,所以对民间金融监管的研究基本处于健全法律制度等理论层面,对监管部门的地位和发挥的作用较少提及。在民间金融步入阳光地带之后,监管部门的责任更加明确,但如何把握好监管的力度和尺度,既发挥好监管作用,维护金融市场安全与稳定,又不至于打压民间资本进入金融市场的积极性,发挥好其对正规金融市场有益补充作用,是应当清晰把握和深入研究的。本文着眼于民间金融监管模式和监管体系的构建,主要采取了比较分析法和规范分析法,分析了我国当前的金融环境、民间金融现状及特点,充分肯定了民间金融在我国经济社会发展中发挥的积极作用,并正面分析了民间金融可能造成的负面影响和引发的风险。本文从民间金融自身性质和经济社会发展等几个方面阐述了健全民间金融监管的迫切需求和必要性,并以美国、印度等国家和台湾地区为例,通过对这些国家和地区民间金融监管模式的分析借鉴,比较剖析了我国民间金融监管的主客体特征,提出了建立基于区别审慎度的差异化多维监管模式,并在民间金融监管流程设计上进行了有益尝试。本文在分析民间金融监管现状的基础上,尝试提出一种新的民间金融监管模式,促使行业监管部门与地方政府在对民间金融的监管中既不缺位也不越位,既保障了金融市场的安全稳定,也保护了民间金融的积极性,在保障民间金融改革试点顺利进行的同时也能促进国家金融体制改革的不断推进。
[Abstract]:As a supplement of formal finance, folk finance has a long history. It can not be denied that it has played an active role in supporting the rapid development of private economy and injecting competitive factors into the formal financial system. However, with the increasing expansion of its scale, some problems are gradually exposed, which affect the steady development of economy and society. In 2003, the government gave policy support to the development of private finance for the first time. This reform aims to encourage and support the participation of private capital in the reform of local financial institutions. It means that private finance will gradually be brought into the national formal financial system. In 2012, the comprehensive financial reform was proposed as a long-term mechanism to solve the malformation of private finance such as usury and to guide the healthy and orderly development of private finance. This paper focuses on how the competent departments of the financial industry and local governments at all levels can give full play to their role in financial supervision and control over the wild horse after the folk finance has been brought into control. Give full play to its role as an effective supplement to the existing formal finance, in order to find a suitable private financial supervision model with Chinese financial characteristics. A few days ago, because the private finance has been outside the national financial supervision system, the research on the private financial supervision is basically in the theoretical level, such as sound legal system, and the role of the regulatory department is less mentioned. After the private finance enters the sunshine zone, the responsibility of the supervision department becomes clearer, but how to grasp the intensity and the scale of the supervision, not only to play the role of supervision, but also to maintain the security and stability of the financial market. It is not necessary to suppress the enthusiasm of private capital to enter the financial market, and to give full play to its beneficial supplementary role to the formal financial market, which should be clearly grasped and deeply studied. This paper focuses on the construction of private financial supervision model and supervision system, mainly adopts comparative analysis and normative analysis, analyzes the current financial environment, the current situation and characteristics of folk finance in China. This paper fully affirms the positive role that folk finance plays in the economic and social development of our country, and analyzes positively the possible negative effects and risks caused by private finance. This paper expounds the urgent need and necessity of improving the supervision of private finance from the aspects of the nature of private finance itself and economic and social development, and takes the United States, India and other countries and Taiwan as examples. Based on the analysis and reference of these national and regional private financial supervision models, this paper compares and analyzes the characteristics of the subject and object of the folk financial supervision in China, and puts forward the establishment of a differentiated multi-dimensional supervision model based on the degree of differentiated prudence. And in the private financial supervision process design has carried on the beneficial attempt. Based on the analysis of the current situation of private financial supervision, this paper tries to put forward a new mode of private financial supervision, which makes the supervision of industry and local government neither absent nor offside in the supervision of private finance. It not only guarantees the security and stability of the financial market, but also protects the enthusiasm of the private finance. While ensuring the smooth implementation of the private financial reform, it can also promote the continuous progress of the national financial system reform.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.35

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