我国小额贷款公司监管研究

发布时间：2018-03-21 06:36

本文选题：小额信贷　切入点：监管　出处：《湖南农业大学》2014年硕士论文　论文类型：学位论文

【摘要】：在新一轮农村金融改革的背景下,农村的金融组织逐渐从“存量式”的改革转变为“增量式”的改革,呈现出高速发展的态势。作为农村的新型金融组织,小额贷款公司的出现,为“三农”和微型企业的融资缓解了压力,对实现我国普惠金融目标有重要作用。然而,在飞速发展的同时也出现了许多问题,我国虽然对小额贷款公司的监管已经做出了一些努力,但还是存在一些突出问题。如小额贷款公司监管主体不明确、监管手段不健全、缺乏健全的法律体系和监管资源等问题日益明显,造成监管难度的进一步加大,直接影响我国小额贷款公司的发展前景。本文从我国的国情出发,在分析我国小额贷款公司发展现状的基础上,借鉴了亚洲和南美洲的成功经验,剖析了我国小额贷款公司的监管现状,分别从理论和实践视角分析了我国小额贷款公司监管的必要性。依据国际上审慎监管和非审慎监管两种模式,按照我国小额贷款公司“只贷不存”的特性,选取了更加适合我国小额贷款公司发展的非审慎监管模式,并对原因进行了适度分析。最后针对上述存在的问题提出了相关的对策,如明确小额贷款公司的身份及监管主体、完善配套的法律法规、丰富监管手段、完善小额贷款公司的市场退出机制、建立中央与地方层面的监管体系、优化监管环境、提升监管效率等措施使我国小额贷款公司能够实现科学发展。
[Abstract]:Under the background of a new round of rural financial reform, rural financial organizations have gradually changed from "stock type" reform to "incremental" reform, showing a trend of rapid development. As a new type of rural financial organization, rural financial organization is a new type of financial organization. The emergence of micro-credit companies has eased the pressure on the financing of agriculture, rural areas and microenterprises, and has played an important role in achieving the goal of inclusive finance in China. Although China has made some efforts to supervise microfinance companies, there are still some outstanding problems. For example, the main body of supervision of micro-credit companies is not clear, and the regulatory means are not perfect. The lack of a sound legal system and regulatory resources is becoming increasingly obvious, resulting in a further increase in the difficulty of supervision, which directly affects the prospects of the development of micro-credit companies in China. On the basis of analyzing the current situation of the development of microfinance companies in China, and drawing lessons from the successful experiences of Asia and South America, the paper analyzes the current situation of supervision of microfinance companies in China. This paper analyzes the necessity of the supervision of microfinance companies in China from the perspective of theory and practice. According to the two models of international prudential supervision and non-prudential supervision, according to the characteristics of "only loans do not exist" in China's microfinance companies, This paper selects the non-prudential supervision mode which is more suitable for the development of micro-credit companies in China, and analyzes the causes appropriately. Finally, it puts forward some relevant countermeasures, such as defining the identity of micro-credit companies and the main body of supervision. Improve supporting laws and regulations, enrich regulatory means, improve the market withdrawal mechanism of microfinance companies, establish regulatory systems at the central and local levels, and optimize the regulatory environment, To improve the efficiency of supervision and other measures to enable China's microfinance companies to achieve scientific development.
【学位授予单位】：湖南农业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4

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