民间金融风险管理体系研究

发布时间：2018-04-10 06:14

本文选题：民间金融　切入点：金融风险　出处：《浙江师范大学》2012年硕士论文

【摘要】：民间金融作为一种内生的金融制度安排,其在满足农户以及中小企业融资需求、提高底层民众经济福利方面的作用业已受到学术界的一致认可。民间金融阳光化、正规化的呼声也越来越强烈。然而,我们真的做好准备了吗?就近年来我国民间金融市场频繁出现的乱象,以及金融监管当局对这一乱象掌控能力不足的现实来看,我们的回答是否定的。任何事物都具有两面性,民间金融亦是如此。对于民间金融的存在基础及社会经济效益方面的研究浩如烟海,可是对民间金融的另一面——民间金融风险,我们又了解多少?不知是何原因,学术界对该问题好像有意回避似的,系统的研究说是空白也不为过。对于民间金融风险的概念、特征、成因、控制方面的研究,学术界还有很长的一段路要走,而本文正是这条路上的一个小脚印。本文的目的就在于提出一个切实可行的风险控制模式来实现对民间金融风险的监管。本文的思路如下：首先,笔者通过对近年来民间金融市场上的一些风险事件的思考,对民间金融风险的一般理论进行了系统的总结,其中包括民间金融风险的概念、形式、特征等。其次,基于民间金融契约治理理论及学术界对民间金融同正规金融的互动关系方面的研究,本文提出了民间金融风险生成的三个方面的原因,即制度性原因、系统性原因和非系统性原因。再次,文章对美国、日本、台湾等国家和地区的民间金融监管实践进行了总结,并提出了这些国家的监管实践对我国民间金融风险控制的启示与借鉴。最后,本文基于国际金融风险监管理论及国内农村金融风险监管方面的研究,提出了一个包含风险防范机制、风险预警机制及风险救援机制的风险控制框架。民间金融形式多样,针对不同的金融形式,该风险控制框架又有所差异。总之,本文对民间金融风险控制的理论研究希望能对民间金融监管的实践提供一定的借鉴。
[Abstract]:As an endogenous financial institutional arrangement, the role of folk finance in meeting the financing needs of farmers and small and medium-sized enterprises and improving the economic welfare of the bottom citizens has been unanimously recognized by the academic community.Private financial sunshine, regularization of the voice is also more and more intense.But are we really ready?In view of the frequent chaos in our private financial market in recent years, and the fact that the financial supervision authorities are not in control of this disorder, our answer is no.Everything has two sides, and so is private finance.There is a great deal of research on the foundation of private finance and the social and economic benefits, but how much do we know about the other side of private finance-the private financial risk?For some reason, the academic circle seems to avoid the problem, and it is not too much to say that the systematic research is blank.There is still a long way to go for the study of the concept, characteristics, causes and control of private financial risk, and this paper is just a small footprint on this road.The purpose of this paper is to put forward a feasible risk control model to realize the supervision of private financial risks.The ideas of this paper are as follows:First of all, the author makes a systematic summary of the general theory of private financial risk, including the concept, form and characteristics of the private financial risk through the reflection of some risk events in the private financial market in recent years.Secondly, based on the theory of private financial contract governance and the research on the interaction between private finance and formal finance, this paper puts forward three reasons for the formation of private financial risks, namely, institutional reasons.Systemic and non-systemic causes.Thirdly, the article summarizes the private financial supervision practice in the United States, Japan, Taiwan and other countries and regions, and puts forward the enlightenment and reference of the supervision practice of these countries to the private financial risk control of our country.Finally, based on the theory of international financial risk supervision and the research of domestic rural financial risk supervision, this paper puts forward a risk control framework including risk prevention mechanism, risk warning mechanism and risk rescue mechanism.Private finance has various forms, and the risk control framework is different in view of different financial forms.In a word, this paper hopes to provide some reference for the practice of private financial supervision.
【学位授予单位】：浙江师范大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.5

【引证文献】