【作者】 韩璐；

【导师】 张贤明；

【作者基本信息】 吉林大学 ， 公共管理， 2009， 硕士

【摘要】 我国作为一个金融结构不断深化、区域金融发展又不均衡的国家,发挥地方政府的金融监管职能来保障区域金融安全是一项意义重大的课题。本文力争在国内外相关研究的基础上,综合运用公共经济学、公共管理学、公共政策学等多学科的成果和方法,分析我国地方政府对区域金融发展、区域金融风险防范等方面的微观政策环境和宏观政策环境,探讨我国地方政府对区域内金融监管的影响,努力解决我国区域金融发展过程中,发挥政府金融监管职能,进一步研究地方政府发挥职能对区域内金融发展的推助作用。本文首先就地方政府在金融发展中的职能进行了理论分析,并通过吉林省区域金融监管的现状描述,提出了区域金融监管的科学化、专业化尤为必要,以及吉林省地方政府支持人民银行、银监局、证监局做好区域金融监管的具体工作措施等建议。更多还原

【Abstract】 In the process of financial development, how to fully respect the market function, and bring the government functions into full play? Especially in China, with a deepening financial structure and an unbalanced regional financial development, how to exert the financial supervision function of local government which will safeguard regional financial security? It is the subject that will be discussed and researched on in this thesis.Based on the relevant results studied at home and abroad, and by comprehensively use of multidisciplinary methods and achievements of Public Economics, Public Administration and Public Policy, this thesis strives for a breakthrough on the subject of making full use of the role of governmental financial supervision, in order to promote the local financial development and economic growth and other relevant issues in China’s financial development process.Through the analysis of the role which local governments played in China regional financial development, financial risk prevention in the aspects of micro and macro policy environment, this thesis discusses the influence of China local governments to the regional finance supervision, and the driving effect played by the government functions on the regional financial development.On the base of formers’ theory production, the innovation of this thesis is that a preliminary study on further promoting the local government functions and the regional financial development is made.Only by exerting both the function of market in resource auto-configuration, and government functions especially the financial supervision function of local government for the market failure, it can promote greater financial development, safeguard financial security, and finally realize sound and fast development of the regional economy.In the regard of theories on financial supervision from the view of economics, the central bank independence, commercial bank supervision research, and the transmission of the financial supervision function of government, the preface of this thesis first list some relevant theories about financial supervision, especially the banking supervision.Analysis shows that the banking enterprise in China is the most important access to external finance, so this thesis will adopt the method of combining social investigation and theoretical research to analysis the functions of government in promoting China’s financial development, especially the experiences and theoretical framework under which local governments supervise China’s banking.The chapter 1, analyzes the functions which are taken by the government in financial development. What gives value to governmental financial supervision is that the incomplete financial markets will affect social resources to achieve the goals of the optimal configuration, whereas the governmental financial supervision can eliminate these negative influences caused by the negative externalities in financial field, asymmetric information, or imperfect competition, and it can also prevent financial risks.This thesis also highlights that because our country is in the economic transitional stage, the government’s financial control target is diversified rather than a single market defect.Further analysis shows that features of local government intervention and effective supervision of financial functions include: supervision function, assistance functions, regulatory functions and coordinating functions. In chapter 2, current situation of regional financial in Jilin province are analyzed. Some related situations and data about banking, securities and insurance in Jilin province were collected. Based on this, this thesis make an analysis on the main issues of Jilin financial development and financial supervision which includes unreasonable regional financial structure, rural finance marginalized phenomenon, poor financial ecological environment, unbalanced financing structure, poor quality of listed companies and resource scarcity of backup listed enterprise. Furthermore, the causes of Jilin province regional financial risk include: the limitation of privately financial mode, malicious competition of individual financial institutions, the increase of professionalism and complexity of financial supervision, the lack of detail rules supporting the financial supervision, the small size of regional financial institutions, low capital adequacy ratio, low internal inverse amplification factor, and etc.In chapter 3, some policy suggestions on local government intervention and the regional financial supervision was put forward. This thesis firstly summarized the differences between central and local financial supervision, and then proposed that the function of local government can be reflected more in creating a stable financial environment, accelerating development of local finance, bringing the intermediaries in to full play, strengthening the financial legal environment construction, exploring the reform and development of rural credit cooperatives or such rural financial institutions, strengthening regional credit construction, etc. This thesis also points out the necessity of the supervision and specialization of regional financial supervision, and gives some meaningful proposals to the strategies on regional financial supervision, such as some concrete measures, like supporting of People’s Bank of China, the China Banking Regulatory Commission, and the Regulatory Commission.更多还原