地方政府对基层金融机构的监管研究

发布时间：2018-01-03 11:05

本文关键词：地方政府对基层金融机构的监管研究　出处：《苏州大学》2015年硕士论文　论文类型：学位论文

【摘要】：地方政府金融管理体制是我国金融体制的重要组成部分,近年来,随着对金融是现代经济核心的认识逐步加深,地方各级政府参与金融管理的积极性日益高涨,省级政府和大多数市、县政府都设立了金融工作办公室等专门的职能部门。由于金融市场的失灵以及金融业内在的脆弱性,这就要求对金融业实施金融监管,我国政府对金融监管的目的主要是为了维护金融业稳定发展,建立良好的金融秩序、配合货币政策的执行,为经济发展提供支持、进而达到维护社会公众的利益。金融监管的主体是政府部门或者政府授权的部门,那么金融监管中的具体政府行为会对金融业产生怎样的影响,这是一个值得研究的问题。随着金融宏观体制改革深化,目前我国地方政府金融管理实践中还存在着重复监管、监管盲区、责权不对等、职能混淆等问题,本文从地方政府对金融机构监管的主要内容和必要性出发,对监管存在缺陷的主要原因及对策分析,借鉴理论指导指出了实现地方政府对基层金融机构有效监管的对策。
[Abstract]:Local government financial management system is an important part of our financial system. In recent years, with the deepening of the understanding that finance is the core of modern economy, the enthusiasm of local governments to participate in financial management is rising day by day. Provincial governments and most cities and counties have set up special functional departments such as financial work offices. Due to the failure of the financial market and the inherent fragility of the financial industry, this requires the implementation of financial supervision. The purpose of our government's financial supervision is to maintain the stable development of the financial industry, to establish a good financial order, to cooperate with the implementation of monetary policy, and to provide support for the economic development. In order to safeguard the interests of the public, the main body of financial supervision is government departments or government authorized departments, then the specific government actions in financial supervision will have a great impact on the financial industry. With the deepening of the reform of the financial macro system, there are still some problems in the practice of local government financial management in China, such as repeated supervision, blind areas of supervision, unequal responsibility and power, confusion of functions, and so on. Starting from the main content and necessity of local governments' supervision of financial institutions, this paper analyzes the main reasons and countermeasures of the defects of supervision. This paper points out the countermeasures to realize the effective supervision of local government to the basic financial institutions by reference to the theoretical guidance.
【学位授予单位】：苏州大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.1

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