温州民间金融地方监管体系建设研究
发布时间：2019-05-29 04:13
【摘要】：温州是一个民营经济比较发达的地区。民间金融对民营经济的早期发展起到了很大的促进作用,但随着民营企业向现代企业的发展,其在规模、产业结构、治理模式等方面的升级,对民间金融提出了新的需要。同时,建立在地域、亲缘基础上的民间金融由于合同规则的缺失等内在缺陷,蕴含着较大的经济风险,容易造成地方上的‘金融灾难’。因此,如何在我国特殊的制度环境和国家经济处于转型升级的大背景下进行有效监管、规范和引导民间金融已成为了备受关注的话题。 本文首先对民间金融的相关理论进行了梳理,其后详细分析了温州民间金融的发展历程、发展现状和主要特征。通过问卷调查,探讨了温州民间资本的基本供需情况和民众对监管的态度。通过对监管现状的分析,总结了现有地方监管体制存在的问题。在充分考虑了温州市的地方经济特征的基础上,文章提出了温州民间金融地方监管体系的构建方案,包括组织体系、监管指标体系、法律法规体系,以及包含行政监管主体和行业监管主体之间的信息共享机制、中小企业信用体系的建设等相应的机制保障,旨在为民间金融的规范和发展提供一定的参考。
[Abstract]:Wenzhou is a region with a relatively developed private economy. Private finance played a great role in promoting the early development of private economy, but with the development of private enterprises to modern enterprises, its upgrading in scale, industrial structure, governance model and so on, put forward new needs for private finance. At the same time, due to the lack of contract rules and other inherent defects, private finance, which is based on region and kinship, contains great economic risks and is easy to cause local 'financial disasters'. Therefore, how to effectively supervise and guide private finance in the context of China's special institutional environment and national economy in the context of transformation and upgrading has become a topic of concern. This paper first combs the related theories of private finance, and then analyzes the development course, present situation and main characteristics of Wenzhou private finance in detail. Through questionnaire survey, this paper probes into the basic supply and demand of Wenzhou private capital and the attitude of the people to supervision. Through the analysis of the present situation of supervision, this paper summarizes the problems existing in the existing local supervision system. On the basis of fully considering the local economic characteristics of Wenzhou City, this paper puts forward the construction scheme of Wenzhou private financial local supervision system, including organization system, supervision index system, laws and regulations system. And including the information sharing mechanism between the subject of administrative supervision and the subject of industry supervision, the construction of credit system of small and medium-sized enterprises and so on, in order to provide a certain reference for the standardization and development of private finance.
【学位授予单位】：中南大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.7
本文编号：2487635
[Abstract]:Wenzhou is a region with a relatively developed private economy. Private finance played a great role in promoting the early development of private economy, but with the development of private enterprises to modern enterprises, its upgrading in scale, industrial structure, governance model and so on, put forward new needs for private finance. At the same time, due to the lack of contract rules and other inherent defects, private finance, which is based on region and kinship, contains great economic risks and is easy to cause local 'financial disasters'. Therefore, how to effectively supervise and guide private finance in the context of China's special institutional environment and national economy in the context of transformation and upgrading has become a topic of concern. This paper first combs the related theories of private finance, and then analyzes the development course, present situation and main characteristics of Wenzhou private finance in detail. Through questionnaire survey, this paper probes into the basic supply and demand of Wenzhou private capital and the attitude of the people to supervision. Through the analysis of the present situation of supervision, this paper summarizes the problems existing in the existing local supervision system. On the basis of fully considering the local economic characteristics of Wenzhou City, this paper puts forward the construction scheme of Wenzhou private financial local supervision system, including organization system, supervision index system, laws and regulations system. And including the information sharing mechanism between the subject of administrative supervision and the subject of industry supervision, the construction of credit system of small and medium-sized enterprises and so on, in order to provide a certain reference for the standardization and development of private finance.
【学位授予单位】：中南大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.7
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