我国典当业发展的法律促进

发布时间：2018-06-10 19:12

本文选题：典当 + 监管制度　；参考：《华东政法大学》2012年硕士论文

【摘要】：典当是以特定物品或者财产权利质押的形式，向典当机构借贷的特殊融资方式。其本质特征和运作模式是以物换钱。作为一种方便快捷的融资方式，典当是其他融资方式的有力补充，并有自己独特的比较优势。虽然典当业与银行业存在着一定的区别，但它对拓宽融资渠道、发展社会经济、方便人民生活、稳定社会秩序，，仍具有十分重要的作用。在我国，自典当业复出以来，整个经济环境和社会环境都发生了巨大的变化，对典当业的生存和发展提出了严峻的挑战。本论文由引言、正文和结论三个部分组成，其中正文部分又由四个章节组成。第一章节对典当业发展进行了概述，并对我国典当业发展中存在的问题进行了分析。首先介绍了典当的基本定义和基本运作流程，并将典当业与银行业进行了简单比较；其次阐述了典当业发展的社会需要，以形成对典当业较为清晰的了解和认识；最后总结归纳并分析了我国典当业发展中存在的问题，如观念存在偏见、专业人才匮乏、行业属性不清等。第二章节对典当业的监管制度基础进行了分析。首先分析了典当业的金融业属性及监管必要性，如立法制度不完善、重要制度缺失、监管体制不健全等。其次通过三个案例分析，阐述了典当业的风险与监管，主要是市场风险与操作风险。最后介绍了我国现有的不同监管主体监管时期的典当业监管制度。第三章节探讨了境外典当业的先进监管制度。主要阐述了世界典当业发达国家如美国、英国、日本等国的立法及运行中的监管制度，分析了其成功发展的经验，如良好的法律法规环境、严格的市场准入条件、合理的绝当处理制度及健全的监管体系等，以便为我国典当业的持续健康发展提供借鉴。第四章节在前文分析、概括和整理的基础上，针对目前我国典当业存在的问题，借鉴国外先进经验，提出了健全我国监管制度的措施，如完善法律法规，建立和细化市场准入和退出制度，规定善意收赃制度，健全监管体系等，以期能完善外部环境和促进自身改革，从而推动我国典当业的健康、规范发展，进而促进整个社会经济的发展。
[Abstract]:Pawnbroking is a special financing way to the pawnbroking institution in the form of the pledge of specific goods or property rights. Its essential features and operating modes are to exchange money. As a convenient and quick financing way, Pawnbroking is a powerful supplement to other financing ways, and has its own unique comparative advantage. Although pawnbroking and Banking exist There are certain differences, but it still plays a very important role in widening the financing channels, developing the social economy, facilitating the people's living and stabilizing the social order. Since the recovery of the pawnbroking industry, the whole economic environment and social environment have undergone tremendous changes and put forward a severe challenge to the survival and development of the canon industry.
This thesis is composed of three parts: introduction, text and conclusion. The body part consists of four chapters.
The first chapter summarizes the development of pawnbroking industry and analyzes the problems in the development of pawnbroking industry in China. First, it introduces the basic definition and basic operation process of pawnbroking, and compares the pawnbroking industry with the banking industry. Secondly, it expounds the social needs of the pawnbroking industry in order to form a clearer to pawnbroking industry. In the end, we summarize and analyze the problems in the development of our pawnbroking industry, such as prejudice, lack of professional talents, and unclear industry attributes.
The second chapter analyses the basis of the regulatory system of pawnbroking industry. First, it analyzes the financial property of pawnbroking industry and the necessity of supervision, such as imperfect legislative system, lack of important system, unsound supervision system and so on. Secondly, through three cases analysis, it expounds the risk and supervision of pawnbroking, mainly the market risk and operation risk. After that, it introduces the supervision system of pawnbroking in different regulatory subjects in China.
The third chapter discusses the advanced regulatory system of the overseas pawnbroking industry. It mainly expounds the regulatory system in the legislation and operation of the developed countries such as the United States, Britain and Japan, such as the United States, the United Kingdom and Japan, and analyzes its successful development experience, such as good legal and regulatory environment, strict market access conditions, reasonable handling system and sound. Supervision system, etc., in order to provide reference for the sustainable and healthy development of China's pawnbroking industry.
In the fourth chapter, on the basis of the previous analysis, summary and collation, in view of the existing problems of the pawnbroking industry in our country and drawing on the advanced experience of foreign countries, we put forward the measures to improve the supervision system of our country, such as perfecting the laws and regulations, establishing and refining the system of market access and withdrawal, and stipulating that the system of good and meaning collection of stolen goods, and the perfect supervision system, in order to perfect the outside world. In order to promote the health and standard development of China's pawnbroking industry and promote the development of the whole society and economy, the Ministry's environment and its own reform are promoted.
【学位授予单位】：华东政法大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：D922.28;F832.38

【引证文献】