经济转型期小额信贷风险防范机制研究

发布时间：2018-03-20 19:32

  本文选题：经济转型期　切入点：小额信贷　出处：《烟台大学》2016年硕士论文　论文类型：学位论文

【摘要】：中国经济发展迅速,社会主义市场经济体制正在逐步完善,这就要求与之配套的金融制度的更新换代。在资本与普惠金融的双重呼唤下,小额信贷制度应运而生。本文将以法理学为依托,从风险管理的角度,剖析小额信贷制度存在的风险,解读现有小额信贷法律监管模式,并在人权、效率以及普惠金融理念下探求一套更加行之有效的小额信贷风险防范机制。为防范风险,在开发小额信贷催收系统的基础上,行政规制必须有管有放,放开利率,优惠税收。配合着分级监管,小额信贷产品的消费者要树立维权理念,而我们的社会环境也必须从外部发力,配套的数据支撑,合理的舆论引导都大可降低风险。纠纷的发生是必然,行之有效的司法解纷渠道就显得尤为重要。独立的金融消费者保护委员会作前提,专业的金融仲裁委为桥梁,民事法院规划专门的解纷流程,刑法最后兜底,那么纠纷的妥善解决也就随之成为必然。总而言之,我们从不避讳小额信贷这一新生金融活动存在风险的客观事实,但我们更应该看到风险背后巨大的制度功能及社会效益,因噎废食不可取,裹足逡巡不可效,在充分认识风险并遵循合理防范机制的前提下,小额信贷定能发挥巨大的经济及社会功能,不但完成扶贫减困、活跃融资的目标,更为构建完善的金融体系添砖加瓦。
[Abstract]:With the rapid economic development of China and the gradual improvement of the socialist market economic system, this requires the upgrading of the corresponding financial system. Under the dual demand of capital and inclusive finance, The microfinance system emerges as the times require. Based on jurisprudence, this paper will analyze the risks existing in the microfinance system from the perspective of risk management, and interpret the existing legal supervision model of microfinance, and in human rights, Under the concept of efficiency and inclusive finance, we should explore a more effective mechanism for preventing microcredit risks. In order to prevent risks, on the basis of developing a microfinance collection system, administrative regulations must be managed and released, and interest rates should be liberalized. Preferential taxation. In line with hierarchical supervision, consumers of microcredit products should establish the concept of safeguarding their rights, and our social environment must also contribute from the outside, supporting the supporting data. Reasonable public opinion guidance can greatly reduce the risk. The occurrence of disputes is inevitable, and the effective judicial channels for resolving disputes are particularly important. The Independent Financial Consumer Protection Commission is the premise and the professional Financial Arbitration Commission is the bridge. If the civil court plans a special process of resolving disputes, and the criminal law finally reaches the bottom, the proper resolution of disputes becomes inevitable. In a word, we never avoid the objective fact that microfinance, a nascent financial activity, is at risk. However, we should also see the huge institutional functions and social benefits behind the risks. It is not advisable to stop eating because of choking, and it is not effective to do so. On the premise of fully recognizing the risks and following the reasonable prevention mechanism, Microfinance can play a huge economic and social function, not only to achieve poverty alleviation, active financing goals, but also to build a sound financial system.
【学位授予单位】：烟台大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：D922.282
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本文编号：1640497