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    MBA畢業論文_威海市準金融機構監管的現狀、問題及路徑研究DOC

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    更新時間:2021-9-6

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    社會經濟的高速發展,帶動著社會融資需求數量和種類的增加, 促使新的金融業態層出不窮,準金融機構以其靈活性、高效性、便捷性 和創新性等特性逐漸在市場中得以認可并高速發展。準金融機構作為 一種金融創新,豐富了融資渠道,更好地滿足了市場融資需求,是金融 體系的重要補充。它不僅擴大了社會融資力量,為資本市場和貨幣市場 注入生機和活力,其發展空間更是相當巨大。但由于相關部門對準金融 機構的監管存在不足,導致準金融機構存在違法違規行為, 并與正 規金融機構存在一定沖突,從而約束了準金融機構的發展。 論文從威海市地方金融監督管理局角度出發,采用文獻研究法、 問卷調查法、定性和定量分析結合的方法,對威海市準金融機構監管的 現狀、問題及路徑進行了研究。首先對國內外準金融機構及其監管的研 究現狀進行了梳理,概述了準金融機構監管的相關基礎理論;然后從 準金融機構監管客體、監管歷程、監管體制等方面分析了威海市準金融 機構監管的現狀;其次設計問卷對威海市準金融機構監管客體在監管立 法、監管制度和監管技術等層面進行數據收集和整理,進而分析威海 市準金融機構監管在法制、體制和技術三個層面所存在的問題,并剖 析其原因;最后針對威海市準金融機構在監管不足甚至缺失情況下所存 在的抗風險能力弱、違規現象多、經營模式粗放、治理機構不健全等 一系列問題,在立法、制度和技術層面提出了適合威海市準金融機構監 管的現實路徑,即在立法層面,要規范威海市準金融機II 構監管主體,提高準金融機構監管的立法層級,擴大準金融機構的融資 范圍和規模;在制度層面,要完善威海市準金融機構監管主體的內控機 制建設,加強行業自律組織建設,統一從業人員準入標準;在技術層面, 要培育準金融機構監管的專業技術人才,建立威海市準金融機構信用體 系,完善準金融監管業務運行平臺系統,強化非現場監督, 嚴格完善監 測體系等。以期完善威海市準金融機構的監管體制,實現有效監督,從 而促進威海市準金融機構的可持續發展。 關鍵詞: 威海市,準金融機構,金融監管,監管路徑III ABSTRACT The rapid development of the social economy has led to an increase in the number and variety of social financing needs, prompting the emergence of new financial formats. Quasi-financial institutions are gradually recognized and developed rapidly in the market with their characteristics of flexibility, efficiency, convenience and innovation. As a kind of financial innovation, quasi-financial institutions have enriched the financing channels and better met the market financing needs, which is an important supplement to the financial system. It not only expands the social financing power, but also injects vitality and vitality into the capital market and the money market, and the development space is quite huge. However, due to the lack of supervision by relevant departments in the financial institutions, quasi-financial institutions have violated laws and regulations, and there are certain conflicts with formal financial institutions, thus constraining the development of quasi-financial institutions. From the perspective of Weihai Financial Work Management Office, the paper uses literature research method, questionnaire survey method, qualitative and quantitative analysis method to study the status quo, problems and path of Weihai quasi-financial institution supervision. Firstly, it sorts out the research status of quasi-financial institutions andIV their supervision at home and abroad, and summarizes the relevant basic theories of quasi-financial institution supervision. Then it analyzes the quasi-financial institutions of Weihai from the aspects of quasi-financial institution supervision object, supervision process and supervision system. The status quo of supervision; secondly, the design questionnaire collects and organizes the data on the regulatory legislation, supervision system and supervision technology of Weihai quasi-financial institution supervision objects, and then analyzes the supervision of Weihai quasi- financial institutions in the legal system, system and technology. The existing problems and the reasons for the analysis; finally, in the case of Weihai quasi-financial institutions, under the supervision of insufficient or even lack of supervision, there are a series of problems such as weak anti-risk ability, many violations, extensive business model, and unsound governance institutions. At the institutional and technical level, it proposes a realistic path suitable for the supervision of quasi-financial institutions in Weihai. That is, at the legislative level, it is necessary to regulate the regulatory bodies of quasi-financial institutions in Weihai, improve the legislative hierarchy of quasi-financial institutions, and expand the financing scope of quasi-financial institutions. Scale; at the institutional level, we must improve Weihai The construction of the internal control mechanism of the quasi-financial institution's supervisory body, strengthen the construction of self-discipline organizations in theV industry, and unify the standards for the entry of employees; at the technical level, it is necessary to cultivate professional and technical personnel supervised by quasi-financial institutions, establish a credit system for quasi-financial institutions in Weihai, and improve quasi- financial Regulate the business operation platform system, strengthen off- site supervision, and strictly improve the monitoring system. In order to improve the supervision system of quasi-financial institutions in Weihai City and achieve effective supervision, the sustainable development of quasi-financial institutions in Weihai City will be promoted. Keywords: Weihai, quasi-financial institution, financial supervision, regulatory path目 錄 摘要........................................................................................................... I ABSTRACT...............................................................................................III 第一章 緒論................................................................................................1 1.1 研究背景與意義...........................................................................................1 1.1.1 研究背景..................................................................................1 1.1.2 研究意義.................................................................................2 1.2 文獻綜述................................................................................................2 1.2.1 準金融機構的相關研究 ...................................2 1.2.2 準金融機構監管的相關研究...............................................................4 1.2.3 研究評述..................................................................................7 1.3 研究內容與研究方法......................................................................................7 1.3.1 研究內容............................................................................7 1.3.2 研究方法..............................................................................9 1.4 研究創新點與不足.....................................................................9 1.4.1 研究創新點.............................................................................9 1.4.2 研究不足..............................................................................10 第二章 準金融機構及其監管的相關理論概述...................................... 11 2.1 相關概念的界定...............................................................................11 2.1.1 金融機構.............................................................................11 2.1.2 準金融機構........................................................................11 2.1.3 金融監管.........................................................................11 2.1.4 準金融機構監管...................................................................12 2.2 準金融機構概述..............................................................................12 2.2.1 準金融機構的特點....................................................................12 2.2.2 我國準金融機構的發展現狀.............................................................132.3 金融監管理論概述.....................................................................................17 2.3.1 自律型金融監管理論.....................................................................17 2.3.2 管理型金融監管理論.....................................................................17 2.3.1 效率型金融監管理論........................................................................18 第三章 威海市準金融機構的監管現狀.................................................. 19 3.1 威海市準金融監管客體的發展現狀............................................................19 3.2 威海市準金融機構監管的發展歷程............................................................22 3.3 威海市準金融機構的現有監管體制............................................................23 3.3.1 監管主體.............................................................................................23 3.3.2 監管內容和方式.................................................................................25 第四章 威海市準金融機構監管的問題及原因分析............................. 27 4.1 問卷設計及調查分析....................................................................................27 4.1.1 問卷設計.............................................................................................27 4.1.2 調查數據分析.....................................................................................27 4.2 威海市準金融機構監管存在的主要問題....................................................34 4.2.1 監管法律體系不完善.....................................................................34 4.2.2 監管體制弊端凸顯.............................................................................35 4.2.3 監管技術落后.....................................................................................36 4.3.威海市準金融機構監管存在問題的原因分析............................................37 4.3.1 監管方式和標準不一致 ..................................37 4.3.2 監管所投入的人力物力不足.............................................................37 4.3.3 監管機構不獨立.................................................................................38 4.3.4 監管技術和手段不完善 ..................................38 第五章 威海市準金融機構監管的路徑選擇........................................ 40 5.1 健全威海市準金融機構監管法律體系........................................................40 5.1.1 明確準金融機構監管主體的法律地位.............................................40 5.1.2 提高準金融機構監管的立法層級.....................................................41 5.1.3 立法擴大融資渠道和經營區域.........................................................415.2 科學規范威海市準金融機構監管體制........................................................42 5.2.1 完善內控機制建設.................................................................42 5.2.2 加強行業自律組織建設....................................................................42 5.2.3 統一從業人員準入標準 ..................................43 5.3 提高威海市準金融機構監管技術................................................................43 5.3.1 建立準金融機構信用體系.................................................................43 5.3.2 建立完善業務運行平臺系統.............................................................43 5.3.3 強化現場監管.......................................................................44 5.3.4 嚴格完善檢測體系...................................................................44 5.3.5 培育專業人才隊伍...................................................................44 結語............................................................................................................ 45
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