政府在民间金融市场中的监管职能研究

发布时间：2018-01-01 06:09

本文关键词：政府在民间金融市场中的监管职能研究　出处：《大连海事大学》2014年硕士论文　论文类型：学位论文

【摘要】：我国经济处在战略转型的关键期,金融市场改革作为改革的重点也受到极大重视,其中民间金融又因为其重要而又特殊的市场地位显得更加突出。十八届三中全会后,我国正着力解决理顺政府与市场的关系,在这样的大背景下,政府在民间金融中的监管作用转变调整也显得更加关键。在我国民间金融的发展过程中,政府必须尽快完善立法,构建服务民间金融的法律体系,同时在监管过程中必须转变观念,转变角色,从意识上统一到服务的角色上来,彻底扭转当前政府监管存在的“一放就乱,一管就死”的弊端和现状。本文的研究目的在于探究我国政府监管角色与民间金融市场的关系,发掘当前民间金融发展和政府监管时的不足与问题,以期理顺政府与市场之间的关系,促进政府角色转换,实现民间金融市场更好的发展。本文主要以我国民间金融发展现状,政府和民间金融市场相关概念、特征等作为研究背景,结合我国目前的处境讨论我国政府在民间金融市场中的监管,继而介绍国外政府在民间金融市场中的监管措施,最后通过国内外的监管对比,借鉴国外的优秀经验和模式,为我国政府监管提供有益参考,从而提出解决政府在民间金融监管的职能转换的措施、意见及建议。本文通过文献研究法对国内外学界的大量文献进行分析总结归纳,通过对民间金融和金融创新现状以及政府监管进行案例分析研究,从中反思市场发展和政府监管中的问题和不足。在研究写作的过程中更选取了时下热点的上海自贸区金融改革、P2P等焦点案例进行分析,从而更好的比较论证政府监管在民间金融中所扮演的作用。通过研究,在改革调整转型的大背景下,在金融行业已逐渐成为改革重点的形势下,为了更好的引导促进民间金融行业的发展,更好的与正规金融形成配合补充,政府在监管的过程中应首先解决角色错位问题,转变自身角色,调整监管职能。由事前审批监管转向法律框架的构建支撑,与事后督查服务,扭转民间金融始终游走在法律灰色地带的尴尬处境。在监管职能不缺位、不错位、不越位的前提下促进我国民间金融行业更好的发展。
[Abstract]:China's economy is in the critical period of strategic transformation, the financial market reform as the focus of the reform has also received great attention. Private finance is more prominent because of its important and special market position. After the third Plenary session of the 18 Central Committee, our country is trying to solve the relationship between the government and the market, under such a background. In the process of the development of the folk finance, the government must perfect the legislation as soon as possible and construct the legal system to serve the private finance. At the same time, in the process of supervision, we must change the concept, change the role, from the consciousness of unity to the role of service, completely reverse the current existence of government supervision "on the chaos." The purpose of this paper is to explore the relationship between the role of government supervision and the private financial market, and to explore the shortcomings and problems in the current development of private finance and government supervision. In order to straighten out the relationship between the government and the market, promote the transformation of the role of government, achieve a better development of private financial markets. Characteristics as the background of the study, combined with the current situation of China to discuss the supervision of our government in the private financial market, and then introduce the foreign governments in the private financial market regulatory measures. Finally, through the comparison of domestic and foreign supervision, learn from the excellent experience and model of foreign countries, provide a useful reference for our government supervision, and then put forward the measures to solve the function transformation of the government in the private financial supervision. This paper analyzes and summarizes a large number of academic literature at home and abroad, through the private finance and financial innovation status and government supervision case study. From the reflection of the market development and government supervision problems and deficiencies. In the process of writing, we choose the hot spot of Shanghai Free Trade Zone financial reform P2P and other focus cases to analyze. Through the research, under the background of reform, adjustment and transformation, the financial industry has gradually become the focus of reform. In order to better guide and promote the development of the private financial industry and better coordinate with the formal finance, the government should first solve the problem of role dislocation and change its role in the process of supervision. Adjust the regulatory function. From the prior approval of supervision to the legal framework of the construction support, and after the supervision of services, to reverse the dilemma of private finance has been wandering in the legal gray area. In the regulatory function is not absent, good position. Not offside the premise of promoting China's private financial industry better development.
【学位授予单位】：大连海事大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：D630;F832.5

【参考文献】