摘要
2010年以来,我国准金融机构经历了快速扩张的井喷期,但随着宏观经济增速放缓,金融业发展疲软,准金融机构的发展也陷入瓶颈,行业种种弊端显现,威胁着区域金融稳定。近年来,我国准金融行业中的小额贷款公司、融资性担保公司、典当行、融资租赁公司的发展速度较快,但存在监管主体不明确、监管立法不完善、服务职能与监管职能冲突、缺乏专业的监管人才、监管手段有限等问题,建议从统一监管主体、提高立法层级、放宽融资渠道、加强行业自律、完善技术系统、加强人才培育等方面,来完善我国准金融机构的监管体系。
Since 2010,China s quasi-financial institutions have experienced a rapid expansion of the blowout period.However,with the slowdown of the macroeconomic situation,the development of the financial industry is weak,quasi-financial institutions are also into a bottleneck,industry drawbacks begin to show up,which threatens the regional financial stability.The companies in quasi-financial industry,such as microfinance companies,financing guarantee corporations,pawn banks,financial leasing companies have gained obviously rapid development in recent years.However,problems can not be neglected,eg.the subject of supervision is not clear,the legislation of supervision is incomplete,the functions of service and supervision are controversial,professional people are insufficient,and the methods of supervision are limited.In order to complete the supervision of our quasi-financial institutions,the subject of supervision should be unified,the level of legislation improved,the control of financing softened,the self-discipline of the industry enhanced,the technical system completed and human capacity building improved.
作者
颜泳红
李滢盈
YAN Yonghong;LI Yingying(College of Business,Hunan University of Technology,Zhuzhou Hunan 412007,China)
出处
《湖南工业大学学报(社会科学版)》
2018年第2期59-65,共7页
Journal of Hunan University of Technology(Social Science Edition)
关键词
准金融机构
监管主体
融资渠道
quasi-financial institutions
the subject of supervision
the financing channels