加强我国政府对融资租赁市场监管问题的研究

发布时间：2018-02-10 04:53

本文关键词： 融资租赁市场政府监管监管体制法律体系　出处：《吉林财经大学》2017年硕士论文　论文类型：学位论文

【摘要】：我国融资租赁市场近30年来取得了长足的发展,成为我国现代市场经济体系不可替代的组成部分,是继银行信贷后,金融市场第二大融资手段,其稳定性直接关系到我国国民经济的健康发展,如何加强政府对融资租赁市场的监管已经成了世界性的问题,许多国家的政府及学术界都保持着较高关注度。本文立足于我国政府对融资租赁市场的监督管理现状,以我国融资租赁市场的发展为研究背景,以信息不对称理论、市场失灵理论和公共利益论为研究依据,分析当前我国政府对融资租赁市场监管中主要存在着以下几方面的问题:(1)政府对融资租赁市场监管目标狭窄,对融资租赁市场干预过多;(2)政府市场监管权限不清,导致了“一个市场、两套监管体系、三种企业准入”的市场现状;(3)融资租赁立法领域存在大片空白,且执法力度较弱;(4)我国融资租赁市场缺乏相关配套政策支持。究其原因,主要是:(1)我国政府对融资租赁市场的认识不足;(2)政府对融资租赁市场监管经营不足;(3)融资租赁法律体系不健全、法律文件不统一,立法部门制定和执行法律能力有限;(4)我国政府尚未充分引导发挥融资租赁行业内部监管的作用。比较借鉴国际经验,我国政府应该积极采取以下对策:(1)政府应设置明确的监管目标,调整监督管理理念;(2)融资租赁监管主体应进一步规范化,寻求政府监管与市场机制的平衡;(3)逐步完善融资租赁市场监管的法律体系;(4)强化融资租赁市场相关配套政策的实施。
[Abstract]:The financial leasing market of our country has made great progress in the past 30 years and has become an irreplaceable part of the modern market economy system of our country. It is the second largest financing means in the financial market after bank credit. Its stability is directly related to the healthy development of our national economy. How to strengthen government supervision of the financial leasing market has become a worldwide problem. The government and academic circles in many countries have maintained a high degree of attention. This paper is based on the current situation of supervision and management of the financial leasing market in our country, taking the development of the financial lease market in China as the research background and the theory of information asymmetry. Based on the theory of market failure and the theory of public interest, this paper analyzes the main problems existing in the supervision of the financial leasing market by our government at present: the following problems exist: (1) the government has a narrow goal of supervising the financial lease market. The unclear supervision authority of government market leads to the market situation of "one market, two regulatory systems and three kinds of enterprises". 3) there is a large gap in the field of financial leasing legislation. And the enforcement of the law is relatively weak. 4) China's financial leasing market lacks relevant policy support. The main one is: 1) the Chinese government does not have a good understanding of the financial leasing market. (2) the government has inadequate supervision and management of the financial leasing market. (3) the legal system of financial leasing is not perfect and the legal documents are not unified. Our government has not yet fully guided the role of internal supervision in the financial leasing industry. The Chinese government should actively adopt the following countermeasures: 1) the government should set clear supervision objectives, adjust the supervisory management concept and 2) the subject of supervision of financial leasing should be further standardized. To seek a balance between government supervision and market mechanism (3) to gradually improve the legal system of financial leasing market supervision 4) to strengthen the implementation of supporting policies related to the financial leasing market.
【学位授予单位】：吉林财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.49;D630

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