菏泽市小额贷款公司的政府监管问题研究

发布时间：2018-01-23 13:45

本文关键词： 小额贷款政府监管三农中小企业　出处：《山东大学》2012年硕士论文　论文类型：学位论文

【摘要】：自2008年9月山东省小额贷款公司试点工作正式启动以来,按照中国银监会、中国人民银行联合发布的《关于小额贷款公司试点的指导意见》、《山东省小额贷款公司试点暂行管理办法》和《山东省小额贷款公司监督管理暂行办法》,试点工作稳步推进。随着我国“十二五”规划的实施、产业结构的调整和城乡市场经济的蓬勃发展,市场更加旺盛,小额贷款行业将迎来新的发展机遇,发挥出越来越显著的作用。本文对小额贷款公司政府监管问题的研究,主要以菏泽市小额贷款公司为例进行研究和分析,并结合我国和山东省有关小额贷款公司的管理法律法规及当前小额贷款公司、政府监管的相关理论进行分析和研究。首先研究与小额贷款公司政府监管有关的模式,对这些问题的研究,主要通过图书资料查找和相关文献检索的方法,对相关理论进行汇总,提取适合本文研究的可用理论。其次,研究菏泽市小额贷款公司政府监管的现状,对政府监管现状的研究,主要对监管政策和法律依据的搜索、菏泽市现行政府监管措施、内容、效果等的研究。第三,研究菏泽市小额贷款公司政府监管中存在的问题。对此部分的研究,需要充分以菏泽市小额贷款公司经营现状和政府监管现状为基础,通过对调查数据的科学分析和市场中存在问题的深入分析,提炼问题的本质,既归纳问题,更分析问题的内在原因,运用马克思主义唯物辩证法的观点,从宏观和微观、主观和客观的角度进行综合分析。第四,研究加强小额贷款公司政府监管的对策。由于我国小额贷款公司发展时间较短,要有力有效的加强我国小额贷款公司监管,促进其稳健、可持续发展,就必须充分借鉴国外的先进经验。因此在提出对策之前,简要而全面地概括总结国外典型的成功的小额贷款公司政府监管经验,充分考虑菏泽市小额贷款公司政府监管中存在的问题,结合当前我国小额贷款公司的新政策、新趋势、新现状,提出科学的、切实可行的对策。本文以菏泽市小额贷款公司政府监管现状为例,通过对菏泽市当前小额贷款公司现状和政府监管现状的分析,总结出当前小额贷款公司政府监管中存在预警机制不健全、监管制度不科学、法律制度不完善、缺乏监管扶持鼓励政策等问题。分析了出现这些问题的原因是政府多头管理、小额贷款公司监管经验较少等。提出了以下对策：建立风险预防长效机制和危机处理应急机制；科学划分监管内容,合理利用社会资源监管、加强经验交流；积极推动立法建设；培养县区复合型监管人才；积极探索监管新方法,加大政策扶持和鼓励。
[Abstract]:Since September 2008, the pilot work of Shandong Microloan Corporation has been officially launched, according to the China Banking Regulatory Commission and the people's Bank of China issued jointly on the pilot of micro-credit company guidance. The interim measures on the pilot Management of Shandong Microcredit companies and the interim measures on Supervision and Management of Shandong Microloan companies, the pilot work has progressed steadily with the implementation of China's 12th Five-Year Plan. With the adjustment of the industrial structure and the vigorous development of the urban and rural market economy, the market becomes more and more vigorous. The microfinance industry will usher in new development opportunities and play a more and more prominent role. This paper studies the government supervision of micro-credit companies, mainly taking Heze micro-credit company as an example to study and analyze. And combined with our country and Shandong Province about the small loan company management laws and regulations and the current microfinance company. The related theories of government supervision are analyzed and studied. Firstly, the models related to government regulation of micro-credit companies are studied. The research on these issues is mainly through the methods of books and materials search and related literature retrieval. Summarize the relevant theories, extract the available theory suitable for this study. Secondly, study the current situation of government supervision of small loan companies in Heze, and research the current situation of government supervision. Mainly to the supervision policy and the legal basis search, Heze city present government supervision measure, the content, the effect and so on research. Third. This paper studies the problems existing in the government supervision of Heze City Microloan Company. The research on this part needs to be based on the present situation of Heze City Microloan Company and the current situation of government supervision. Through the scientific analysis of the survey data and the in-depth analysis of the existing problems in the market, the essence of the problem is refined, which not only induces the problem, but also analyzes the internal causes of the problem, and applies the viewpoint of Marxist materialist dialectics. From the macro and micro, subjective and objective angles of comprehensive analysis. 4th, to study the strengthening of government supervision of microfinance companies. Because of the short development time of microfinance companies in China. In order to effectively strengthen the supervision of microfinance companies in China and promote their steady and sustainable development, we must fully learn from the advanced experience of foreign countries. Briefly and comprehensively summarizes the foreign typical successful government supervision experience of microfinance companies, fully consider the problems existing in the government supervision of Heze microfinance companies. Combined with the new policy, new trend and new present situation of China's microfinance companies, scientific and feasible countermeasures are put forward. This paper takes the current situation of government supervision of Heze small loan company as an example, through the analysis of the current situation of small loan company and government supervision in Heze city. Summarize the current government supervision of microfinance companies in the existence of early warning mechanism is not perfect, the regulatory system is not scientific, the legal system is not perfect. Lack of regulatory support to encourage policy and other issues. This paper analyzes the reasons for these problems are government long management. The author puts forward the following countermeasures: establishing long-term risk prevention mechanism and crisis management emergency mechanism; Scientific division of supervision content, rational use of social resources supervision, strengthen the exchange of experience; Actively promote legislative construction; Training county and district compound supervisory talents; Actively explore new methods of supervision and increase policy support and encouragement.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.4

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