地方政府对基层金融机构的监管分析-产业经济学专业论文.docxVIP

地方政府对基层金融机构的监管研究 中文摘要 中文摘要 地方政府金融管理体制是我国金融体制的重要组成部分，近年来，随着对金 融是现代经济核心的认识逐步加深，地方各级政府参与金融管理的积极性日益高 涨，省级政府和大多数市、县政府都设立了金融工作办公室等专门的职能部门。 由于金融市场的失灵以及金融业内在的脆弱性，这就要求对金融业实施金融监管 ，我国政府对金融监管的目的主要是为了维护金融业稳定发展,建立良好的金融秩 序、配合货币政策的执行,为经济发展提供支持、进而达到维护社会公众的利益。 金融监管的主体是政府部门或者政府授权的部门,那么金融监管中的具体政府行为 会对金融业产生怎样的影响，这是一个值得研究的问题。随着金融宏观体制改革 深化，目前我国地方政府金融管理实践中还存在着重复监管、监管盲区、责权不 对等、职能混淆等问题，本文从地方政府对金融机构监管的主要内容和必要性出 发，对监管存在缺陷的主要原因及对策分析，借鉴理论指导指出了实现地方政府 对基层金融机构有效监管的对策。 关键词：地方政府；基层金融机构；政府监管 论文作者：张 瑜 指导老师：钮菊生 教授 I 英文摘要 地方政府对基层金融机构的监管研究 Study on the regulation of local financial institutions by local government Abstract Local government financial management system is an essential constituentpart of China’s financial system．In recent years, with the understanding of the finance is the core of modern economy is deepened gradually, the enthusiasm of localgovernments at all levels involved in financial management is more and more strong, the provincial government and the government of the majority of city, county have set up theoffice of financial work and other special departments. due to the failure of financial markets and the financial industry has itself inherent vulnerability, we need to implement regulatory about financial industry. The main purpose of our government on the financial regulation include in order to maintain the stability of the financial sector development, to establish a good financial order with the implementation of monetary policy, to provide support for economic development and safeguard the public interest. The main body of financial regulation is a government department or government department authorized, thus specific government actions in financial regulation can impact financial industry, this effect is a problem worthy of study. Some problems such as repeated supervision，supervisionblind spot，mismatch of power and responsibility， and function confusion still exist in thepractices of local governments．Based on the analysis of main reasons for l