四川省小额贷款公司政府监管专题研究

发布时间：2017-12-26 18:46

本文关键词：四川省小额贷款公司政府监管专题研究　出处：《电子科技大学》2015年硕士论文　论文类型：学位论文

【摘要】：小额贷款公司的运行是对银行业务空间的补充,对于我国小微企业、低收入群体等金融服务完善有着十分重要的作用,同时有利于规范民间借贷,缓解农村、小微企业、个体工商户融资难的问题,但相比银行,小额贷款公司承担着比较高的的运营成本和风险,面临更多的困难和问题,如性质不明、定位模糊、资金来源有限、相关机制不完善等。若不能及时有效解决,将有可能对区域金融产生负面影响。因此政府必须考虑如何发挥其监管和规范作用。四川是第一批小额贷款试点省份,在地理环境、经济发展等方面有其独特之处。在2008年、2013年经历两次地震后,灾区重建也需要金融支持。在这样一个特殊的发展环境中,四川的小额贷款公司较之其他省市的公司有着更为复杂的发展环境,对于四川地方政府的监管而言,意味着更多的挑战。本文介绍了小额贷款公司的概念和国内外小额贷款公司的研究情况和发展现状,分析了国内外小额贷款公司的发展趋势,从小额贷款公司整个行业的监管、规范、风险控制与规避的迫切现实需求入手,对小额贷款公司的政府监管原则、模式、特征、作用、方式和法律依据进行展开,遵循理论与实证研究相结合的总体思路,以四川省小额贷款公司发展政策问题为主轴,通过对小额贷款公司现状的分析,在肯定其对市场经济促进、解决中小企业融资难等问题的同时,指出目前存在的诸多问题。对地方政府在服务、管理中存在的缺位现象,致使制度设计中悬而未决的定位问题、法律问题、监管问题等困扰小额贷款公司的发展壮大的因素进行分析,总结当前四川省小额贷款行业监管规范工作中出现的问题,剖析问题产生的原因,阐述我省小额贷款公司规范管理和有效监管机制建设的实践、成效以及存在问题,最后对小额贷款行业规范管理机制建设提出对策性建议。通过对小额贷款公司的合理定位出发,从完善法律制度、明确监管部门、发挥监管职能等方面出发,规范小额贷款公司的设立、运营,以便更好地促进该行业的健康快速发展。
[Abstract]:The petty loan company's operation is a supplement to the banking space, for our country Small and micro businesses and low income groups and improve financial services plays a very important role, it is also beneficial to regulate private lending, relieve rural, Small and micro businesses and individual industrial and commercial households financing problems, but compared to banks, small loan companies bear a relatively high operating costs and risks, facing more difficulties and problems, such as unclear property, fuzzy positioning, limited funds and related mechanism is not perfect. If it can not be solved in time and effectively, it is likely to have a negative impact on regional finance. Therefore, the government must consider how to play its regulatory and regulatory role. Sichuan is the first batch of small loan pilot provinces, and has its unique features in geographical environment, economic development and so on. After two earthquakes in 2008 and 2013, the reconstruction of the disaster areas also needed financial support. In such a special development environment, Sichuan's small loan companies have more complex development environment than other provinces and cities, which means more challenges for the supervision of Sichuan's local governments. This paper introduces the concept of small loan companies, small loan companies and domestic and international research present situation and development, analyzes the trend of development of small loan companies at home and abroad, urgent need small loans from the company of the whole industry, regulatory norms, risk control and avoidance of small loans to the company's principle, mode, government regulation the characteristics, functions, methods and legal basis for expansion, follow the general idea of combination of theory and empirical research, to develop policy of microfinance companies in Sichuan Province as the main problem, through analysis of the status of small loan companies, in recognition of its market economy to promote and solve SMEs' financing problems at the same time, it points out many the existing problems. The phenomenon of the absence of local government exists in the service and management, the factors resulting in problems plagued the development and positioning system in suspense of the legal issues, regulatory issues of small loan company growth analysis, summed up the current microfinance industry regulation in Sichuan province work problems, analyze the causes of the problems, this practice, the construction of our province microfinance company management and effective supervision mechanism of the achievements and existing problems, finally puts forward some countermeasures and suggestions on the microfinance industry standard management mechanism construction. Starting from the reasonable positioning of microfinance companies, we should standardize and establish the operation of small loan companies in order to better promote the healthy and rapid development of the industry.
【学位授予单位】：电子科技大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.4

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