规范发展我国民间金融的路径研究

发布时间：2018-04-27 08:14

本文选题：民间金融 + 规范发展　；参考：《山东财经大学》2015年硕士论文

【摘要】：最近几年,民间金融、民间融资频繁出现在学者的论文、政府的报告及媒体的报道中,被大家提及最多的便是民间金融风险持续暴露,必须尽快把其规范化发展提上日程。实际上,民间金融自古就有,只不过随着经济的快速发展、民间财富的迅速积累及互联网金融的兴起而不断丰富和活跃起来。它作为正规金融的有效补充,为民营经济尤其是中小微企业的发展提供了强有力的资金支持,丰富了我国的金融业态和形式,提高了民间资本的使用效率。与此同时,它的隐蔽性、逐利性和盲目性也容易使其“脱实相虚”,滋生金融风险,危害金融稳定和社会秩序。尤其是近几年来,全国各地频繁发生的投资担保公司跑路事件、非法集资事件等将民间金融推向风口浪尖上,我们必须对这一问题引起重视。本文正是以此为背景,探讨了规范发展我国民间金融的路径研究。文章一共分为五章。第一章是导论,主要是介绍了本文的研究背景、意义、内容、方法及国内外研究现状等。第二章介绍了我国民间金融产生的理论基础,借此论证民间金融存在的合理性。并分析了我国民间金融的规模、形式及特点等,从整体上对当前我国的民间金融发展现状有个宏观把握。第三章介绍了民间金融对我国经济社会产生的积极作用及负面效应,为充分发挥其积极作用,降低或消除其负面效应,必须对其进行规范发展,将一定规模以上的民间金融活动纳入监管范围。通过山东省的小额贷款公司、典当行、融资性担保机构及民间融资机构的运行情况介绍论证了引导民间金融规范化发展的可行性,同时指出了当前的监管体系仍存在一些漏洞,亟需完善。第四章详细分析了美国、日本、台湾和香港对民间金融的监管历程及成功经验,以期得到对我国有借鉴意义的经验启示。第五章在前面问题和经验分析的基础上,提出了我国规范化发展民间金融的路径选择,即在坚持透明化、制度化、有效监管和灵活性的原则基础上,建立以地方政府为主导民间金融监管体系,重点从完善民间金融的相关法律法规、对不同类型的民间金融实行差别化监管、建立民间借贷的登记备案制度、加强民间征信体系建设及加强金融风险防控体系建设等五个方面进行规范发展。
[Abstract]:In recent years, folk finance and private finance appear frequently in scholars' papers, government reports and media reports, the most mentioned is the continuous exposure of private financial risks, which must be put on the agenda as soon as possible. In fact, folk finance has existed since ancient times, but with the rapid development of economy, the rapid accumulation of folk wealth and the rise of Internet finance, it has become rich and active. As an effective supplement of formal finance, it provides strong financial support for the development of private economy, especially small and medium-sized enterprises, enriches the financial forms and forms of our country, and improves the efficiency of private capital. At the same time, its concealment, profit-seeking and blindness also make it easy to "get rid of reality", breed financial risk, endanger financial stability and social order. Especially in recent years, the frequent incidents of investment guarantee companies running the road and illegal raising of funds have pushed private finance to the top of the wave. We must pay attention to this problem. Based on this background, this paper probes into the research of the way to standardize the development of private finance in China. The article is divided into five chapters. The first chapter is an introduction, mainly introduces the research background, significance, content, methods and domestic and foreign research status. The second chapter introduces the theoretical basis of the emergence of private finance in China to demonstrate the rationality of the existence of private finance. The paper also analyzes the scale, form and characteristics of the folk finance in our country, and has a macroscopic grasp of the present situation of the development of the folk finance in our country as a whole. The third chapter introduces the positive and negative effects of folk finance on China's economy and society. In order to give full play to its positive role and reduce or eliminate its negative effects, it is necessary to standardize its development. Bring private financial activities above a certain scale into the scope of supervision. Through the introduction of the operation of small loan companies, pawnshops, financing guarantee institutions and private financing institutions in Shandong Province, this paper demonstrates the feasibility of guiding the standardized development of private finance, and points out that there are still some loopholes in the current regulatory system. Perfection is in urgent need. The fourth chapter analyzes the process and successful experience of American, Japanese, Taiwan and Hong Kong's supervision of private finance in detail, in order to get the enlightenment to our country's experience. The fifth chapter, on the basis of the previous problems and experience analysis, puts forward the path choice for the standardized development of folk finance in China, that is, on the basis of adhering to the principles of transparency, institutionalization, effective supervision and flexibility. To establish the local government as the leading private financial supervision system, focusing on perfecting the relevant laws and regulations of private finance, implementing differential supervision over different types of private finance, and establishing a registration and filing system for private loans and loans, Strengthen the construction of private credit system and strengthen the construction of financial risk prevention and control system.
【学位授予单位】：山东财经大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D922.28;F832.4

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