中央和地方关系视角下的金融监管——一个小额贷款行业的实证研究

发布时间：2018-04-24 04:35

本文选题：中央和地方关系 + 小额贷款　；参考：《山东大学学报(哲学社会科学版)》2017年06期

【摘要】：讨论金融监管领域的中央和地方关系问题,实证方法可提供便捷研究进路。分析各地颁布的小额贷款公司规则和中央规则的差异,可以看出其对该地区小额贷款行业发展程度的影响。各地规则中存在与中央"指导意见"直接冲突的规定,而不同地方"冲突型"规则与"指导意见"偏离程度存在不同,这是"阿里小贷"从浙江省"迁"往重庆市获得快速发展的重要因素,但"阿里小贷"的成功并不具有全国范围的普遍意义。各地方规则中存在大量"指导意见"中没有的"扩展型"规则,而"扩展型"规则越多的地方,小额贷款行业发展越不好。"扩展型"规则带来了个别地方政府"寻租性"行为的可能性,也反应了个别地方政府为保护利益相关方而采取"审慎性"监管行为的倾向,这反应了金融监管领域中央和地方关系的复杂性,为理解金融监管领域的中央和地方关系提供了新的视角。
[Abstract]:To discuss the relationship between central and local governments in the field of financial regulation, empirical methods can provide a convenient approach to research. By analyzing the differences between the rules of microfinance companies and the central rules, we can see the influence of the regulations on the development of microfinance industry in this area. There are provisions in local rules that directly conflict with the central "guidance", while "conflict-type" rules and "guidance" deviations vary from place to place. This is an important factor for the rapid development of "small loan of Ali" from Zhejiang Province to Chongqing, but the success of "small loan of Ali" is not of universal significance in the whole country. "there are a lot of" extended "rules" in the local rules that are not in the guidance, and the more "extended" rules, the worse the microfinance industry will develop. " Extended "rules" raise the possibility of "rent-seeking" by individual local governments and reflect the tendency of individual local governments to adopt "prudential" regulatory actions to protect stakeholders. This reflects the complexity of the relationship between central and local governments in the field of financial supervision and provides a new perspective for understanding the relationship between central and local governments in the field of financial supervision.
【作者单位】：北京大学法学院;
【分类号】：F832.4

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