德州市政府金融监管存在的问题及对策研究

发布时间：2018-03-24 11:19

本文选题：金融监管　切入点：政府金融监管　出处：《山东大学》2017年硕士论文

【摘要】：现代市场经济环境下,金融业在国民经济中地位已经越来越重要。保证金融秩序健康、有效的运转,经济社会中货币资源的筹措、流动和使用就能充分高效,社会资源的自由配置也会逐渐趋于合理,金融业在促进国民经济良性循环方面起的作用也就更加明显。如果没有金融行业,整个社会经济将无法正常运转,各行各业亦无法相互促进与发展。然而,随着我国金融业的不断放开,各种金融安全问题也不断地涌现出来,像2016年爆发的裸贷事件、2011年的温州民间借贷危机,无不严重的影响了我国经济、社会的正常运行。资本是逐利的,如果任由金融业"自由"发展不加任何的限制,没有有效的监督、管理,金融业的安全问题将逐一显现,并会一步步扩大,最终将无法避免的导致全面金融危机的爆发。因此,加强金融监管问题的研究,是非常重要且十分有必要的。本文从政府金融监管的角度,立足于德州市政府金融监管取得的进展及存在的问题,试图通过借鉴北京、上海、济南三个城市在政府金融监管方面的先进经验做法,探讨德州市地方政府如何改善金融监管,如何更好地发挥政府金融监管部门监督、管理、服务的职能,从而实现促进地方金融稳定发展、优化企业融资结构、防范金融风险、加快金融产品和服务的创新、打击非法融资等目的。本文共分为六个部分,第一部分绪论,主要介绍文章的研究背景、选题意义、研究综述、研究方法等内容;第二部分主要介绍德州市政府金融监管部门的定位、政府金融监管工作的职能范围,并从四个方面阐述政府金融监管的必要性,包括:信贷投放规模与国内生产总值的高度相关性、民间借贷危机、中小企业存在融资困境以及金融创新的需要;第三部分着重从政府金融监督和政府金融服务两个方面介绍德州市政府金融监管取得的进展;第四部分主要是结合德州市政府金融监管现状,总结出德州市在金融监管中存在的六个方面的问题,包括政府金融监管履职缺乏必要的法律基础、政府金融监管部门职能定位不清,权责不明晰、政府金融监管人员专业知识不牢、金融业规模小,金融监管意识不到位、非法集资活动排查困难、非银行金融机构设立门槛高等问题,并在总结问题的基础上,对每个问题进行成因分析;第五部分主要介绍北京、上海和济南三个城市政府金融监管的一些特色做法,以此作为借鉴,结合第四章的成因分析,为下一部分的对策建议奠定基础。第六部分是文章的核心章节,主要是在分析德州市政府金融监管工作的进展、存在问题的基础上,结合国内相关城市的特色做法,提出完善德州市政府金融监管工作的六项对策建议,包括建立健全相关金融监管法律法规、加强社会诚信体系建设、加快金融创新步伐,推动金融支持实体经济发展、加大对民间借贷的规范化管理、积极监测防范金融风险,依法打击非法金融活动、组织专业培训,提高政府金融监管工作人员水平等。
[Abstract]:The modern market economy environment, the status of financial industry in the national economy is becoming more and more important. In order to ensure the financial health, effective operation, raising money resources in the economic society, will be able to use free flow and fully efficient allocation of social resources will tend to be reasonable, the financial sector in promoting the benign circulation of the national economy plays the effect is more obvious. If there is no financial industry, the whole society will not function properly, all walks of life will not be mutual promotion and development. However, with the increasing liberalization of China's financial industry, a variety of financial security problems are constantly emerging, such as the 2016 outbreak of the naked credit events of Wenzhou private lending crisis in 2011. No, seriously affected the economy of our country, the normal operation of the society. The capital is profit, if the financial industry "free" development without any restrictions, there is no effective supervision Supervision, management, security issues of the financial industry will appear one by one, and will expand step by step, the final will inevitably leads to a comprehensive financial crisis. Therefore, strengthen the research on the problems of financial supervision, is very important and very necessary. This paper from the angle of financial supervision, based on the progress of Dezhou municipal government the financial supervision and the existing problems, and by referring to Beijing, Shanghai, Ji'nan three city of advanced experience in government financial supervision practice, discusses how to improve the financial supervision of Dezhou municipal government, how to better play the government financial supervision, management and service functions, to promote the development of local financial stability and the optimization of financing structure, financial risk, accelerate the innovation of financial products and services, to combat illegal financing. This paper is divided into six parts, the first part is the introduction, mainly This paper introduces the research background, significance, research content, research methods; the second part mainly introduces the orientation of Dezhou municipal government financial regulatory authorities and financial supervision of the functions of the government, and from the four aspects of the necessity of government financial supervision includes: the high correlation between the scale of credit and GDP small and medium-sized enterprises, private lending crisis, financing difficulties and needs of financial innovation; in the third part of the article from the two aspects of government financial supervision and administration of financial services in Dezhou municipal government for financial supervision; the fourth part is combined with the Dezhou municipal government financial supervision status, summed up the six aspects of the problems existing in the financial supervision in Dezhou City, including the government financial regulation performance lacks the necessary legal basis, financial supervision and administration department functions is not clear, the right responsibility is not clear, the government The government financial supervision and professional knowledge is not solid, the scale of the financial sector, financial supervision consciousness is not in place, illegal fund-raising investigation difficult, set up higher threshold for non bank financial institutions, and summarizes the problems, analyzed the causes of every problem; the fifth part mainly introduces the Beijing, Shanghai and Ji'nan three city government finance some of the features of the regulatory approach, as a reference, combined with the analysis of the causes of the fourth chapter, lay the foundation for the next part of the countermeasures and suggestions. The sixth part is the core section of the article, mainly in the analysis of the Dezhou municipal government financial supervision, on the basis of the problems, combined with the characteristics of the practice of domestic city, put forward six Dezhou municipal government proposals to improve financial supervision, including establishing and perfecting the relevant laws and regulations of financial supervision, strengthen the construction of social credit system, speeding up financial innovation Steps to promote financial support for the development of the real economy, increase the standardized management of private lending, actively monitor and prevent financial risks, crack down on illegal financial activities in accordance with the law, organize professional training, and improve the level of government financial supervision staff.

【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D630;F832.1

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