本文選題：民間金融　切入點(diǎn)：金融風(fēng)險(xiǎn)　出處：《浙江師范大學(xué)》2012年碩士論文

【摘要】：民間金融作為一種內(nèi)生的金融制度安排,其在滿足農(nóng)戶以及中小企業(yè)融資需求、提高底層民眾經(jīng)濟(jì)福利方面的作用業(yè)已受到學(xué)術(shù)界的一致認(rèn)可。民間金融陽光化、正規(guī)化的呼聲也越來越強(qiáng)烈。然而,我們真的做好準(zhǔn)備了嗎?就近年來我國民間金融市場(chǎng)頻繁出現(xiàn)的亂象,以及金融監(jiān)管當(dāng)局對(duì)這一亂象掌控能力不足的現(xiàn)實(shí)來看,我們的回答是否定的。任何事物都具有兩面性,民間金融亦是如此。對(duì)于民間金融的存在基礎(chǔ)及社會(huì)經(jīng)濟(jì)效益方面的研究浩如煙海,可是對(duì)民間金融的另一面——民間金融風(fēng)險(xiǎn),我們又了解多少?不知是何原因,學(xué)術(shù)界對(duì)該問題好像有意回避似的,系統(tǒng)的研究說是空白也不為過。對(duì)于民間金融風(fēng)險(xiǎn)的概念、特征、成因、控制方面的研究,學(xué)術(shù)界還有很長的一段路要走,而本文正是這條路上的一個(gè)小腳印。本文的目的就在于提出一個(gè)切實(shí)可行的風(fēng)險(xiǎn)控制模式來實(shí)現(xiàn)對(duì)民間金融風(fēng)險(xiǎn)的監(jiān)管。本文的思路如下： 首先,筆者通過對(duì)近年來民間金融市場(chǎng)上的一些風(fēng)險(xiǎn)事件的思考,對(duì)民間金融風(fēng)險(xiǎn)的一般理論進(jìn)行了系統(tǒng)的總結(jié),其中包括民間金融風(fēng)險(xiǎn)的概念、形式、特征等。其次,基于民間金融契約治理理論及學(xué)術(shù)界對(duì)民間金融同正規(guī)金融的互動(dòng)關(guān)系方面的研究,本文提出了民間金融風(fēng)險(xiǎn)生成的三個(gè)方面的原因,即制度性原因、系統(tǒng)性原因和非系統(tǒng)性原因。再次,文章對(duì)美國、日本、臺(tái)灣等國家和地區(qū)的民間金融監(jiān)管實(shí)踐進(jìn)行了總結(jié),并提出了這些國家的監(jiān)管實(shí)踐對(duì)我國民間金融風(fēng)險(xiǎn)控制的啟示與借鑒。最后,本文基于國際金融風(fēng)險(xiǎn)監(jiān)管理論及國內(nèi)農(nóng)村金融風(fēng)險(xiǎn)監(jiān)管方面的研究,提出了一個(gè)包含風(fēng)險(xiǎn)防范機(jī)制、風(fēng)險(xiǎn)預(yù)警機(jī)制及風(fēng)險(xiǎn)救援機(jī)制的風(fēng)險(xiǎn)控制框架。民間金融形式多樣,針對(duì)不同的金融形式,該風(fēng)險(xiǎn)控制框架又有所差異�？傊�,本文對(duì)民間金融風(fēng)險(xiǎn)控制的理論研究希望能對(duì)民間金融監(jiān)管的實(shí)踐提供一定的借鑒。
[Abstract]:As an endogenous financial institutional arrangement, the role of folk finance in meeting the financing needs of farmers and small and medium-sized enterprises and improving the economic welfare of the bottom citizens has been unanimously recognized by the academic community.Private financial sunshine, regularization of the voice is also more and more intense.But are we really ready?In view of the frequent chaos in our private financial market in recent years, and the fact that the financial supervision authorities are not in control of this disorder, our answer is no.Everything has two sides, and so is private finance.There is a great deal of research on the foundation of private finance and the social and economic benefits, but how much do we know about the other side of private finance-the private financial risk?For some reason, the academic circle seems to avoid the problem, and it is not too much to say that the systematic research is blank.There is still a long way to go for the study of the concept, characteristics, causes and control of private financial risk, and this paper is just a small footprint on this road.The purpose of this paper is to put forward a feasible risk control model to realize the supervision of private financial risks.The ideas of this paper are as follows:First of all, the author makes a systematic summary of the general theory of private financial risk, including the concept, form and characteristics of the private financial risk through the reflection of some risk events in the private financial market in recent years.Secondly, based on the theory of private financial contract governance and the research on the interaction between private finance and formal finance, this paper puts forward three reasons for the formation of private financial risks, namely, institutional reasons.Systemic and non-systemic causes.Thirdly, the article summarizes the private financial supervision practice in the United States, Japan, Taiwan and other countries and regions, and puts forward the enlightenment and reference of the supervision practice of these countries to the private financial risk control of our country.Finally, based on the theory of international financial risk supervision and the research of domestic rural financial risk supervision, this paper puts forward a risk control framework including risk prevention mechanism, risk warning mechanism and risk rescue mechanism.Private finance has various forms, and the risk control framework is different in view of different financial forms.In a word, this paper hopes to provide some reference for the practice of private financial supervision.
【學(xué)位授予單位】：浙江師范大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.5

【引證文獻(xiàn)】

相關(guān)期刊論文 前1條

1 謝端;吳婷婷;柳學(xué)良;;規(guī)范民間金融利率,控制民間金融風(fēng)險(xiǎn)[J];商;2013年14期

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本文編號(hào)：1730012