中央和地方关系视角下的金融监管——从阿里小贷谈起
发布时间：2018-08-03 09:26
【摘要】：中国出现了中央和地方二元式金融监管制度,金融监管是中央和地方关系的新领域。地方金融监管规则与中央金融监管规则存在显著差异,这种差异对地方金融发展产生了直接影响。具体而言,地方金融监管规则中存在与中央金融监管规则直接冲突的规定,而各地方"冲突型"规则与中央规则偏离程度存在不同,这是阿里巴巴小额贷款公司从浙江"迁"往重庆获得快速发展的重要因素。同时,地方金融监管规则中还存在大量中央规则中没有的"扩展性"规则,而"扩展型"规则越多的省,小额贷款行业发展越不好。"扩展型"规则反映了地方政府出于私利而采取的"寻租性"行为,"扩展型"规则的大量存在,限制了阿里小贷这一成功事例的普适性。
[Abstract]:China has emerged a dual central and local financial supervision system, financial supervision is a new area of central and local relations. There are significant differences between local financial supervision rules and central financial supervision rules, which have a direct impact on the development of local finance. In particular, the local financial supervision rules have the direct conflict with the central financial supervision rules, and the degree of deviation between the local "conflicting" rules and the central rules is different. This is Alibaba small loan company from Zhejiang "move" to Chongqing to obtain the important factor of rapid development. At the same time, there are a large number of "expansibility" rules in the local financial supervision rules, and the more "extended" rules, the worse the development of microfinance industry. " The extended rule reflects the "rent-seeking" behavior taken by the local government for self-interest, and the extensive existence of the "extended" rule limits the universality of the successful case of Ali's small loan.
【作者单位】： 北京大学法学院;
【基金】：与香港中文大学商学院刘庄博士关于小额贷款公司地方监管合作研究中的部分成果
【分类号】：F724.6;F832.4
，
本文编号：2161314
[Abstract]:China has emerged a dual central and local financial supervision system, financial supervision is a new area of central and local relations. There are significant differences between local financial supervision rules and central financial supervision rules, which have a direct impact on the development of local finance. In particular, the local financial supervision rules have the direct conflict with the central financial supervision rules, and the degree of deviation between the local "conflicting" rules and the central rules is different. This is Alibaba small loan company from Zhejiang "move" to Chongqing to obtain the important factor of rapid development. At the same time, there are a large number of "expansibility" rules in the local financial supervision rules, and the more "extended" rules, the worse the development of microfinance industry. " The extended rule reflects the "rent-seeking" behavior taken by the local government for self-interest, and the extensive existence of the "extended" rule limits the universality of the successful case of Ali's small loan.
【作者单位】： 北京大学法学院;
【基金】：与香港中文大学商学院刘庄博士关于小额贷款公司地方监管合作研究中的部分成果
【分类号】：F724.6;F832.4
，
本文编号：2161314
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