新型农村金融机构的监管问题研究
发布时间：2019-01-07 07:18
【摘要】：从我国政府制定的"实现全民小康"的目标相关政策就可以看出,促进农村金融发展已经成为了全民都关注的焦点问题,十八大报告中明确指出,进一步优化我国金融发展体制,并推进金融创新,从而完善金融监管制度,进而保障金融经济得到稳定的发展,进一步表明了政府充分对改善农村人民生活的重视,实行农村金融改革的本质目的就是为农村人民提供更好的金融服务。新型农村金融机构的出现,已成为改善我国当前农村金融市场的重要手段,受到政府部门的高度重视。并且我国新型农村金融机构主要是面向的较为偏远的所有的农村地区,且以地方的中小型企业和农户为基础,为农村经济发展提供资金,满足现代农村金融发展的基本需要。我国当前农村地区金融供给困难使得农村中小企业与农户不能有效满足自身的资金缺口,因此,政府以及监管部门应重视农村金融监管工作,统一的将新型农村金融机构各方面的监管管理工作作为核心任务来实施,进一步改善现有的冲村金融体系,从而快速的推动国内农村经济的发展进程,实现农业经济繁荣昌盛的目标,这亦是良好的改变国内现有的农村经济发展局面工作中的一项核心任务。本文在对当前我国新型农村金融机构发展现状以及存在问题深入的展开了分析与研究,在此基础上,进一步剖析了新型农村金融机构在政府监管中存在相关法律规制不完善;外部监管体制不健全;金融市场混乱,监管困难等问题。深入研究了出现这类问题的原因主要是立法层级较低,操作性不强;监管主体力量单一;监管目标脱离"支农"初衷;监管内容规定粗糙四个方面。文章分别借鉴德国、美国和日本三个国家的农村金融体系的监管先进经验与启示,结合我国当前新型农村金融机构的发展现状,运用农村金融市场论、普惠金融、合作金融、政府与市场关系以及政府规制等相关理论,提出完善新型农村金融机构政府监管的对策,即:完善相关法律法规;健全政府监管体制;坚定政府监管目标;规范新型农村金融机构的监管内容。
[Abstract]:From the policies related to the goal of "achieving a well-off society for all" formulated by the Chinese government, it can be seen that promoting rural financial development has become the focus of attention of the whole people. It was clearly pointed out in the report of the 18th National Congress. Further optimizing our country's financial development system and promoting financial innovation, thus improving the financial supervision system, thereby ensuring the stable development of the financial economy, further demonstrating that the government attaches full importance to improving the lives of the rural people. The essential purpose of rural financial reform is to provide better financial services for rural people. The emergence of new rural financial institutions has become an important means to improve the current rural financial market in China, and has been highly valued by government departments. And the new rural financial institutions are mainly for the more remote rural areas, and on the basis of local small and medium-sized enterprises and farmers, to provide funds for rural economic development, to meet the basic needs of modern rural financial development. At present, the difficulties of financial supply in rural areas make rural small and medium-sized enterprises and farmers unable to meet their own funding gap effectively. Therefore, the government and the regulatory authorities should attach importance to the supervision of rural finance. Unifying the supervision and management work of various aspects of the new rural financial institutions as the core task to further improve the existing Chong Village financial system, thus rapidly promoting the development of the domestic rural economy. To achieve the goal of prosperity of agricultural economy is also a core task in the work of changing the current situation of rural economic development in China. Based on the analysis and research on the current situation and problems of the new rural financial institutions in China, this paper further analyzes the imperfections of the relevant laws and regulations in the government supervision of the new rural financial institutions. External regulatory system is not perfect; financial market chaos, regulatory difficulties and other problems. The main reasons for this kind of problems are low legislative level, not strong operability; single supervision body; supervision goal from the original intention of "supporting agriculture"; rough regulation content provisions four aspects. The article draws lessons from the advanced experience and enlightenment of the rural financial system in Germany, the United States and Japan, and combines the current development situation of the new rural financial institutions in our country, and applies the theory of rural financial market, inclusive finance, cooperative finance, and so on. Related theories such as the relationship between government and market, government regulation and so on, are put forward to improve the government supervision of new rural financial institutions, that is, to perfect the relevant laws and regulations; Improve the government supervision system; strengthen the goal of government supervision; standardize the content of the new rural financial institutions.
【学位授予单位】：内蒙古农业大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.35
本文编号：2403360
[Abstract]:From the policies related to the goal of "achieving a well-off society for all" formulated by the Chinese government, it can be seen that promoting rural financial development has become the focus of attention of the whole people. It was clearly pointed out in the report of the 18th National Congress. Further optimizing our country's financial development system and promoting financial innovation, thus improving the financial supervision system, thereby ensuring the stable development of the financial economy, further demonstrating that the government attaches full importance to improving the lives of the rural people. The essential purpose of rural financial reform is to provide better financial services for rural people. The emergence of new rural financial institutions has become an important means to improve the current rural financial market in China, and has been highly valued by government departments. And the new rural financial institutions are mainly for the more remote rural areas, and on the basis of local small and medium-sized enterprises and farmers, to provide funds for rural economic development, to meet the basic needs of modern rural financial development. At present, the difficulties of financial supply in rural areas make rural small and medium-sized enterprises and farmers unable to meet their own funding gap effectively. Therefore, the government and the regulatory authorities should attach importance to the supervision of rural finance. Unifying the supervision and management work of various aspects of the new rural financial institutions as the core task to further improve the existing Chong Village financial system, thus rapidly promoting the development of the domestic rural economy. To achieve the goal of prosperity of agricultural economy is also a core task in the work of changing the current situation of rural economic development in China. Based on the analysis and research on the current situation and problems of the new rural financial institutions in China, this paper further analyzes the imperfections of the relevant laws and regulations in the government supervision of the new rural financial institutions. External regulatory system is not perfect; financial market chaos, regulatory difficulties and other problems. The main reasons for this kind of problems are low legislative level, not strong operability; single supervision body; supervision goal from the original intention of "supporting agriculture"; rough regulation content provisions four aspects. The article draws lessons from the advanced experience and enlightenment of the rural financial system in Germany, the United States and Japan, and combines the current development situation of the new rural financial institutions in our country, and applies the theory of rural financial market, inclusive finance, cooperative finance, and so on. Related theories such as the relationship between government and market, government regulation and so on, are put forward to improve the government supervision of new rural financial institutions, that is, to perfect the relevant laws and regulations; Improve the government supervision system; strengthen the goal of government supervision; standardize the content of the new rural financial institutions.
【学位授予单位】：内蒙古农业大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.35
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