小额贷款公司监管制度探讨

发布时间：2018-04-21 04:13

本文选题：小额贷款公司 + 监管　；参考：《华中科技大学》2014年硕士论文

【摘要】：1950年以来，世界很多国家和地区为了帮助本国农村脱贫致富，缩小贫富差距，纷纷出台了各种支持农村的金融政策和补贴。但是，这些国家和地区出台政策的时候，忽视了本国农村实际情况，导致这些出台的金融政策和补贴没有真正发挥作用。在这之后，这些国家和地区继续探索适合本国本地区实际情况的金融政策和补贴。在二十世纪六十年代至二十世纪七十年代年之间，小额信贷模式在多个国家应运而生。到了1990年，这一模式演变为小额贷款，形式有所变化，但是本质没有发生变化，宗旨仍旧是服务农村、农民、农业的发展，缩小区域发展差距。本文以小额贷款公司监管制度探讨为题，首先以小额贷款公司的一般理论分析作为论文的开篇。文章以小额贷款公司的界定作为文章的引子，然后以小额贷款公司的性质分析和小额贷款公司存在的价值分析为过渡，深入探讨监管对于小额贷款公司的重要性。在正文的第二部分，针对我国小额贷款公司监管现状以及存在的问题进行详细阐述和深入分析。在阐述我国小额贷款公司监管现状方面，主要将小额贷款公司与商业银行、农村信用社的监管措施进行了比较，，以说明我国小额贷款公司目前监管的状况。然后，在比较监管措施的基础上，深入分析了小额贷款公司在监管主体、监管措施、退出机制等方面存在的问题。在正文的第三部分，针对国外小额贷款公司监管制度实践进行重点介绍，介绍的内容分别是：小额贷款公司监管归属权的确立、对小额贷款公司的审慎监管、对小额贷款的非审慎限制。国外小额信贷发展较早，相关的理论研究也相当成熟透彻，重点介绍国外小额贷款公司监管制度实践，对于完善我国小额贷款公司监管制度具有重要的现实意义。在正文的第四部分，着重探讨了我国小额贷款公司监管制度完善的问题。比如出台《小额贷款公司监督管理法》以及《小额贷款公司监督管理条例》等地方性法规，建立健全评级制度，加强小额贷款公司经营风险控制等等。在论文的结论部分，主要总结了小额贷款公司监管制度完善的一些具体做法，主要有：出台《小额贷款公司监督管理法》以及《小额贷款公司监督管理条例》等地方性法规，建立健全评级制度，加强小额贷款公司经营风险控制等等。
[Abstract]:Since 1950, many countries and regions in the world have introduced various financial policies and subsidies in support of rural areas in order to help their rural areas get rid of poverty and narrow the gap between the rich and the poor. However, these countries and regions introduced policies, ignoring the actual situation in their rural areas, resulting in these financial policies and subsidies did not really play a role. After that, these countries and regions continue to explore their own financial policies and subsidies. In the 1960s and 1970s, microfinance models emerged in many countries. In 1990, this model evolved into a micro-loan, the form changed, but the essence has not changed, the purpose is still to serve the development of rural areas, farmers, agriculture, and narrow the regional development gap. This paper discusses the supervision system of microfinance companies, first of all, the general theoretical analysis of microfinance companies as the opening of the paper. This paper takes the definition of micro-loan company as the introduction of the article, then analyzes the nature of micro-loan company and the value analysis of micro-loan company as the transition, and probes into the importance of supervision for micro-loan company. In the second part of the text, the current situation and existing problems of the supervision of microfinance companies in China are described in detail and analyzed in depth. In order to explain the current situation of supervision of microfinance companies in China, this paper compares the supervision measures of microfinance companies with commercial banks and rural credit cooperatives in order to explain the current situation of supervision of micro-credit companies in China. Then, on the basis of comparing the supervision measures, this paper deeply analyzes the problems existing in the supervision subject, the supervision measures, the exit mechanism and so on. In the third part of the text, focusing on the practice of the supervision system of foreign microfinance companies, the content of the introduction is: the establishment of supervisory ownership of microfinance companies, the prudent supervision of microfinance companies, Imprudent restrictions on small loans. Overseas microfinance developed earlier and the relevant theoretical research is quite mature and thorough. It is of great practical significance to improve the supervision system of micro-credit companies in China by focusing on the practice of supervision system of micro-credit companies in foreign countries. In the fourth part of the text, the author focuses on the perfection of the supervision system of microfinance companies in China. For example, local regulations such as the Law on Supervision and Management of Microcredit companies and the regulations on Supervision and Administration of Microcredit companies, such as establishing and perfecting the rating system, strengthening the management risk control of microfinance companies, etc. In the conclusion part of the paper, the author summarizes some concrete measures to improve the supervision system of microfinance companies, including the promulgation of the Law on the Supervision and Management of Microcredit companies and the regulations on the Supervision and Administration of Microcredit companies, and other local laws and regulations. Establish and improve the rating system, strengthen the management risk control of small loan companies and so on.
【学位授予单位】：华中科技大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.39

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