对“准金融机构”在欠发达地区发展中监管问题的调查和思考——以陕西安康为例

On the Regulation of Quasi-financial Institutions in Under-developed Areas——On the case of Ankang

"准金融机构"近年来在欠发达地区蓬勃发展,有效拓宽了地方融资渠道,为地方经济金融发展提供了有益的补充。但同时由于监管主体不明晰或履职缺乏专业性,导致"准金融机构"在经营管理中存在诸多问题,产生了一定的风险隐患。本文试以安康为例,对"准金融机构"的界定及其在发展中的监管问题进行分析,提出进一步加强"准金融机构"的监管,规范其经营行为,有效规避风险的建议。

In recent years, quasi-financial institutions grow fast in under-developed areas. They widen financing channel and bene- fit local economic and finance. However, potential risks lie in quasi-financial institutions due to unclear regulatory body or lacking of professional implementation. On the case of Ankang, the paper tries to define quasi-financial institutions, analysis its regulatory short- coming, and gives advice on strengthening the regulation of quasi-financial institutions, improve its management, and avoiding risks.