本文關(guān)鍵詞： 地方政府 地方分權(quán) 金融管理權(quán)　出處：《中央民族大學(xué)》2015年碩士論文　論文類型：學(xué)位論文

【摘要】：隨著我國(guó)金融發(fā)展的不斷深化,金融業(yè)對(duì)其發(fā)展環(huán)境提出了新的要求。金融發(fā)展不僅需要更寬松的政策支持,而且對(duì)金融管理的理念、主體、方式方法等都提出了新的挑戰(zhàn)。我國(guó)經(jīng)濟(jì)現(xiàn)在處于高速發(fā)展的時(shí)期,對(duì)金融的現(xiàn)實(shí)需求也只會(huì)有增無(wú)減,但是我國(guó)金融同樣存在著粗放式的弊端,數(shù)量多但質(zhì)量不高、面廣但深度不夠。同時(shí)在金融管理方面,我國(guó)也存在著諸多風(fēng)險(xiǎn)和不足,如重復(fù)監(jiān)管與監(jiān)管真空并存,中央緊握監(jiān)管權(quán)忽視地方政府管理需求,民間金融活躍卻得不到有效引導(dǎo),金融發(fā)展與實(shí)體經(jīng)濟(jì)相脫節(jié),金融風(fēng)險(xiǎn)防范機(jī)制缺位等。但是隨著我國(guó)市場(chǎng)經(jīng)濟(jì)的不斷發(fā)展,地方經(jīng)濟(jì)作為后起之秀必將撐起我國(guó)經(jīng)濟(jì)發(fā)展的大旗。在這一大的趨勢(shì)下,地方金融自然也會(huì)迎來(lái)一輪新的崛起,同時(shí)對(duì)我國(guó)地方政府的執(zhí)政能力和金融管理能力也將提出更高的要求。立足于我國(guó)地方政府金融管理權(quán)問(wèn)題,筆者從我國(guó)地方與中央分權(quán)的概況切入,以立法分權(quán)和財(cái)稅分權(quán)引出金融管理分權(quán),對(duì)地方政府金融管理分權(quán)的理論基礎(chǔ)進(jìn)行了分析。地方政府金融管理權(quán)的設(shè)立有其必然性與合理性,地方政府擁有適當(dāng)?shù)慕鹑诠芾頇?quán),一方面可以彌補(bǔ)現(xiàn)行金融管理制度存在的監(jiān)管空白,同時(shí)可以調(diào)動(dòng)地方政府對(duì)地方金融發(fā)展的能動(dòng)性,讓地方政府慢慢涉足金融管理,在實(shí)踐中提升發(fā)展和管理金融的能力。在理論基礎(chǔ)分析的基礎(chǔ)上,以三個(gè)較為典型的省市——上海市、溫州市、安徽省為對(duì)象進(jìn)行實(shí)證分析,剖析我國(guó)地方政府在管理地方金融活動(dòng)中的特點(diǎn)和不足。地方政府金融管理權(quán)缺乏更高位階法律的確認(rèn)、地方政府金融管理權(quán)與中央監(jiān)管權(quán)責(zé)界限不明、地方政府金融管理體系尚不完善、地方政府與中央金融管理權(quán)可能存在沖突。這些問(wèn)題都是在完善地方政府金融管理權(quán)過(guò)程中需高度關(guān)注的。日本和美國(guó)作為金融發(fā)展較為成熟的兩個(gè)國(guó)家,在地方政府金融管理方面各自具有獨(dú)特之處。日美兩國(guó)在地方政府金融管理實(shí)踐中經(jīng)驗(yàn)豐富,有許多值得我們學(xué)習(xí)的創(chuàng)新之舉,如日本的地方融資平臺(tái)、地方債券制度,美國(guó)的存款保險(xiǎn)制度、牌照升級(jí)轉(zhuǎn)換制度等。我國(guó)雖然沒有立法確認(rèn)地方政府的金融管理權(quán),但現(xiàn)實(shí)中地方政府早已涉足,在借鑒國(guó)外經(jīng)驗(yàn)和做法的基礎(chǔ)上,結(jié)合我國(guó)實(shí)際,筆者從地方政府金融管理的目標(biāo)定位、管理體系、法律完善和管理方法四個(gè)方面提出了完善和創(chuàng)新我國(guó)地方金融管理權(quán)的一些措施。
[Abstract]:With the continuous deepening of China's financial development, the financial industry has put forward new requirements for the development of the environment. The financial development requires not only a more lenient policy support, but also to the financial management concept, the main methods are put forward new challenges. China's economy is now in a period of rapid development, the real demand for financial it will only increase, but there are also drawbacks of China's financial extensive quantity, but the quality is not high, but a wide range of depth is not enough. At the same time in the field of financial management in our country, there are many risks and problems, such as repeated supervision and vacuum supervision, the central supervision of local government management ignored the right grip demand, private finance is active but not effective guidance, financial development and economic separation, financial risk prevention mechanism is vacant. But with the development of market economy in China, the local economy as a newcomer The show will support the economic development of our country's banner. In this general trend, local finance will usher in a new round of rise, at the same time on our local government's ruling ability and financial management ability will also put forward higher requirements. Based on the problems of China's local government financial management. Starting from the situation of China's central and local government decentralization, decentralization and fiscal decentralization in legislation leads to financial management decentralization, analyzed the theoretical basis of local government financial management decentralization. The establishment of local government financial management right has its inevitability and rationality, local governments have the appropriate financial management right, one can make up there the current system of financial management and regulatory gaps, the local government can mobilize the initiative of local financial development, so that the local government gradually involved in financial management, and enhance the development of financial management in practice Ability. Based on theoretical analysis based on the three typical provinces and cities - Shanghai City, Wenzhou City, Anhui Province as the object of empirical analysis, analysis of China's local government characteristics in the management of local financial activities and lack of financial management. The lack of power to the local government confirmed more high-level legal boundaries, where the government financial management authority and central regulatory responsibilities is unknown, the local government financial management system is not perfect, the right of the government and the central financial management of local conflicts. These problems are in perfect financial management right of local government in need of attention. Japan and the United States as the two country financial development more mature, in the local government financial management aspects of each is unique. The two countries in the practice of local government financial management experience, there are many worthy of our learning innovations, such as the Local financing platform, local bond system, the deposit insurance system, the license to upgrade the conversion system. Although our country has no legislative confirmation of local government financial management right, but in reality the local government has been involved, based on foreign experiences and practices, with the reality of our country, the management system from the target location, place government financial management, and puts forward some measures for the improvement and innovation of local financial management authority in China in four aspects of law and management methods.

【學(xué)位授予單位】：中央民族大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類號(hào)】：D922.28

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本文編號(hào)：1481725