我国小额贷款公司的政府监管研究

发布时间：2018-01-04 18:01

本文关键词：我国小额贷款公司的政府监管研究　出处：《东北师范大学》2014年硕士论文　论文类型：学位论文

【摘要】：一直以来，小额贷款被认为是一种解决中小企业融资难的有效手段。我国于2005年引入小额贷款公司这种模式来解决中小企业融资难与地下钱庄等问题。近些年来，我国的小额贷款公司获得极其快速的发展，无论是数量还是发放的贷款数额都呈现出快速增长态势。到目前为止，我国小额贷款公司已基本形成了以民间资本投入、以盈利为目的、只有贷款业务没有存款业务的新模式，对于促进经济社会的发展发挥了重要作用。但是，小额贷款公司在发展过程中也暴露了许多问题，在业务方面：体外循环、以股代存、发售理财、股东贷款等问题一直存在；在法律政策方面：法律身份不明确，，未来发展方向不确定，各地区政策不均衡等问题没有得到有效地解决；在监管方面：多头监管机构、各地监管标准不一，监管没有针对小额贷款公司性质特征也是在现实中没有解决的问题。作为货币经营者的小额贷款公司已经在全国如火如荼的成立发展壮大，其背后潜在风险也是巨大的。目前，小额贷款公司存在法律性质不明、监管主体定位不准、风险预警机制缺乏或相关法律法规漏洞较大的局面，急需解决。本文在第一章将梳理小额贷款公司政府监管的研究综述，明确小额贷款公司的定义、特征与发展过程，并具体论证小额贷款政府监管的范畴、原则以及必要性。接着，在本文的第二章详细分析目前我国小额贷款公司政府监管的实践，从政府监管的政策背景出发，从监管主体、内容、措施、效果等方面进行展开分析。在分析监管实践的基础上，本文提出了目前小额贷款政府监管的一些问题，在监管主体，监管结构，监管措施、监管人员素质等方面均提出较为突出的问题。并将在第四章按照发现的问题提出了对应的政策建议，以期对我国的小额贷款监管事业做出一些贡献。总结来看，本文通过对我国小额贷款公司政府监管相关内容的探讨和建议，将对建立健全我国的政府监管法律法规起到积极作用，并为我国对于小额贷款公司监管提出一些可行的策略和措施，帮助提高我国金融监管效率，帮助小额贷款行业实现健康发展。
[Abstract]:All the time. Microfinance is considered to be an effective means to solve the financing difficulties of SMEs. In 2005, our country introduced the model of microfinance companies to solve the financing difficulties of SMEs and underground banks. In recent years. Microfinance companies in our country have been developing very fast, both the amount of loans and the amount of loans are showing a rapid growth trend. So far. The micro-loan companies in our country have basically formed the new mode of taking private capital investment and profit as the purpose, and only the loan business has no deposit business, which has played an important role in promoting the development of economy and society. In the process of development, microfinance companies also exposed a lot of problems, in terms of business: extracorporeal circulation, stock exchange, selling financial management, shareholder loans and other problems; In the legal policy aspect: the legal status is not clear, the future development direction is uncertain, the regional policy is not balanced and so on the question has not been solved effectively; In the aspect of regulation: long regulatory agencies, different regulatory standards, regulation has not been targeted at the nature of microfinance companies is also a problem that has not been resolved in reality. As a currency operator, microfinance companies have been established in full swing in the country, and the potential risks behind them are huge. At present, the legal nature of microfinance companies is unclear. It is urgent to solve the problem of lack of risk warning mechanism or large loopholes in relevant laws and regulations. In the first chapter, this paper will comb the government supervision of microfinance companies, clear the definition of microfinance companies, characteristics and development process, and demonstrate the scope of government supervision of microfinance. Then, in the second chapter, the author analyzes the practice of government supervision of microfinance companies in China, starting from the policy background of government supervision, from the main body of supervision, content, measures. On the basis of analyzing the practice of supervision, this paper puts forward some problems of government supervision of small loans at present, such as the main body of supervision, the structure of supervision, and the measures of supervision. In chapter 4th, the author puts forward the corresponding policy suggestions according to the discovered problems, in order to make some contributions to the supervision of micro-credit in our country. To sum up, this paper will play a positive role in establishing and perfecting the government regulation laws and regulations of our country through the discussion and suggestions on the relevant contents of government supervision of micro-credit companies in our country. It also puts forward some feasible strategies and measures for the supervision of microfinance companies in China to help improve the efficiency of financial supervision and help the microfinance industry to achieve a healthy development.
【学位授予单位】：东北师范大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4;D630

【参考文献】