a国产,中文字幕久久波多野结衣AV,欧美粗大猛烈老熟妇,女人av天堂

當(dāng)前位置:主頁(yè) > 管理論文 > 貨幣論文 >

我國(guó)普惠金融監(jiān)管政策效果研究

發(fā)布時(shí)間:2018-05-01 19:59

  本文選題:普惠金融 + 監(jiān)管政策。 參考:《廣東財(cái)經(jīng)大學(xué)》2015年碩士論文


【摘要】:從2005年“普惠金融”提出以來(lái),尤其是近年來(lái)因互聯(lián)網(wǎng)金融的崛起,該概念成為人們關(guān)注和討論的聚焦點(diǎn)。各種中央層面、地方層面的法規(guī)政策相繼出臺(tái),不同類(lèi)型的供給機(jī)構(gòu)先后成立,越來(lái)越多的弱勢(shì)群體了解普惠金融,這些都是我國(guó)普惠金融發(fā)展的加速器。但是,普惠金融如何在盈利能力和覆蓋率之間維持平衡,是該類(lèi)機(jī)構(gòu)發(fā)展進(jìn)程中面臨的難題。比如,過(guò)重強(qiáng)調(diào)覆蓋率導(dǎo)致了2007年小額貸款公司資金來(lái)源枯竭;而過(guò)度商業(yè)化則是2010年印度小額信貸償還危機(jī)爆發(fā)的根源。因此,建立完善的普惠金融監(jiān)管政策以維持普惠金融機(jī)構(gòu)盈利能力和覆蓋率之間的均衡就顯得尤為重要。普惠金融監(jiān)管政策的制定是為了建立完善的普惠金融體系。本文在借鑒普惠金融監(jiān)管政策理論框架的基礎(chǔ)上,分析普惠金融不同供給主體監(jiān)管政策的現(xiàn)狀和效果以及存在的問(wèn)題。對(duì)現(xiàn)狀研究表明,我國(guó)普惠金融存在著監(jiān)管政策體系不完整、監(jiān)管權(quán)配置混亂和市場(chǎng)準(zhǔn)入門(mén)檻過(guò)高等問(wèn)題,并且這些問(wèn)題在不同程度上對(duì)普惠金融的盈利能力或覆蓋率有影響。然后,本文采用OLS回歸、處理效應(yīng)回歸和IV回歸研究普惠金融監(jiān)管政策對(duì)普惠金融機(jī)構(gòu)盈利能力和覆蓋率的影響程度;貧w的結(jié)果表明以利潤(rùn)為導(dǎo)向的MFIs將通過(guò)降低覆蓋率來(lái)吸收因監(jiān)管所產(chǎn)生的成本以維持盈利能力。針對(duì)我國(guó)普惠金融監(jiān)管政策存在的問(wèn)題并結(jié)合實(shí)證結(jié)果,本文提出從提高普惠金融覆蓋率、降低運(yùn)營(yíng)成本和提高運(yùn)行效率等方面完善監(jiān)管政策。
[Abstract]:Since the introduction of "Inclusive Finance" in 2005, especially the rise of Internet Finance in recent years, the concept has become the focus of attention and discussion. At various central levels, the local level of regulations and policies have been introduced, different types of supply institutions have been set up successively, and more and more vulnerable groups understand the Inclusive Finance, which are all our country However, how to maintain the balance between profitability and coverage is a difficult problem in the development process of such institutions. For example, the overemphasis on coverage led to the exhaustion of the funding sources of microfinance companies in 2007, while excessive commercialization was the outbreak of the 2010 India microfinance crisis. Therefore, it is particularly important to establish a perfect policy of inclusive financial supervision to maintain the balance between the profitability and coverage of the inclusive financial institutions. The formulation of the Pratt and whiten financial regulatory policy is to establish a perfect financial system. Based on the theoretical framework of the Pratt and whiten financial regulatory policy, this paper analyzes the generalized finance. The current situation and effect and the existing problems of the regulatory policy of different suppliers show that there is an incomplete supervision policy system, the confusion of supervision right allocation and the excessive market access threshold in China's inclusive finance, and these problems have an impact on the profitability or coverage of general favored finance in varying degrees. This paper uses OLS regression, treatment effect regression and IV regression to study the effect of inclusive financial regulatory policy on the profitability and coverage of Pratt and whiten financial institutions. The result of return shows that the profit oriented MFIs will absorb the cost of supervision by reducing the coverage rate to maintain profitability. In order to improve the financial coverage, reduce the cost of operation and improve the efficiency of operation, this paper puts forward the improvement of regulatory policy.

【學(xué)位授予單位】:廣東財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】:碩士
【學(xué)位授予年份】:2015
【分類(lèi)號(hào)】:F832.0

【參考文獻(xiàn)】

相關(guān)期刊論文 前3條

1 王曙光;王東賓;;雙重二元金融結(jié)構(gòu)、農(nóng)戶(hù)信貸需求與農(nóng)村金融改革——基于11省14縣市的田野調(diào)查[J];財(cái)貿(mào)經(jīng)濟(jì);2011年05期

2 董春宇;平等與不平等的再思考——一種政治哲學(xué)解析的新維度[J];廣西社會(huì)科學(xué);2004年11期

3 李海平;;論我國(guó)農(nóng)村金融政策支持體系的建設(shè)[J];中央財(cái)經(jīng)大學(xué)學(xué)報(bào);2008年05期

,

本文編號(hào):1830841

資料下載
論文發(fā)表

本文鏈接:http://www.wukwdryxk.cn/guanlilunwen/huobilw/1830841.html


Copyright(c)文論論文網(wǎng)All Rights Reserved | 網(wǎng)站地圖 |

版權(quán)申明:資料由用戶(hù)090c3***提供,本站僅收錄摘要或目錄,作者需要?jiǎng)h除請(qǐng)E-mail郵箱bigeng88@qq.com
在线a级毛片免费视频| 岢岚县| 欧美精品VIDEOSEX极品| 久久精品亚洲专区无码| 亚洲AV无码精品色午夜果冻不卡| 久本草在线中文字幕亚洲| 久久久久人妻精品区一三寸| 成人美女黄网站色大色费全看下载 | 国产1区2区3区| 少妇荡乳情欲办公室456视频 | 亚洲风情亚Aⅴ在线发布| 手机在线看永久AV片免费| 精品无码无人网站免费视频| JiZz国产大全视频免费| 国产精品久久久久久亚洲影视| 国产一区二区三区四区五区加勒比 | 91人人澡人人妻人人精品| 男j插女p| 蜜臀av性久久久久蜜臀aⅴ| 国产成人无码VA在线观看| 特级毛片a级毛片100免费播放| 国产精品成年片在线观看| 亚洲VA无码VA在线VA天堂| 阿克陶县| 巴林右旗| 精品国产一区二区三区麻豆| 极品粉嫩嫩模大尺度无码视频| 兔费看少妇性l交大片免费| 玖玖热| 天天色av| 综合开心四月份激动的心情| 四虎影视一区二区精品| 久久人妻无码中文字幕第一| 精品国产亚洲一区二区三区在线观看 | 亚洲中文久久久久久精品国产| 国产成年女人特黄特色毛片免| 久久亚洲中文无码咪咪爱| 强开小婷嫩苞又嫩又紧韩国视频 | 99热精品久久只有精品| 97精品人人妻人人| 精品少妇人妻av无码专区|