Research On The Government Supervision Of The Third Party Financial Institutions

In recent years,our country has achieved remarkable social and economic development,people's wealth significantly increased in value,more and more affluent population,millions of people in financial investment,it's for the emergence and development of the third-party financial institutions has brought an opportunity,while the development of third-party financial institutions in China is still in its infancy,but the number of third-party financial institutions has been more than twenty thousand,the difficulty of the government for its regulation is very high.This paper starting from the research background and research significance,research status at home and abroad,it is concluded that the research content,using a variety of research methods for the government on the research of the regulation of third-party financial institutions.Except the first chapter introduction,the main content of the second chapter is on third-party financial institutions of government regulation related issues are summarized.Third-party financial institutions is to provide investors with private tailored financial planning service is independent of the banking,securities and other financial institutions,financial services,the legal nature of hybrid,both the entrusted agency and the trust property,compared with other financial institutions for a bank has its own unique advantages,of course,the development of the third-party financial institutions in our country is faced with some risks.The third chapter is the main content of the third-party financial institutions in our country development present situation,problems and the reasons of the government regulation.The status quo of the development of third-party financial institutions in China at the primary stage,despite the obvious advantages of development,but there are also many problems.Third-party financial institutions of the problems of government regulation is lax regulation,government fraud problems abound,third-party financial institutions of information authenticity is difficult to control,government supervision lack of reliable basis,third-party financial institutions financial mess.Causes of problems including the lack of legal basis of government supervision and regulation in risk prevention,there is a vacuum,the independence of the third-party financial institutions need to strengthen sales model lack of positive guidance,government regulation lack auxiliary government regulation mechanism.The main content of the fourth chapter is to introduce the present situation of the foreign government regulation,experience and enlightenment.By combing foreign government oversight,and clear the necessity of the government to strengthen regulation of financial institutions to a third party,combing foreign government's advanced experience,be worth beneficial Revelations of government regulation in our country,when the third-party financial institutions to regulate to strengthen the construction of credit system,strengthening local government supervision and clear third-party financial institutions access conditions,absorb social forces to assist the government regulation.The content of the fifth chapter is put forward to strengthen and perfect our country the third party agencies of government regulation of conduct financial transactions suggests,is divided into five aspects: one is the third-party financial institutions supervision legal system;Second,the regulatory system of third-party financial institutions;Three is to improve and optimize the way government supervision,strengthen the independence of the third-party financial institutions;Four is to improve the level of government regulation,the standard sales model;Five is secondary to improve the regulatory mechanism,promoting organ systemization.The innovation of this paper contains two aspects: one is the innovation of research method.By referring to a large number of previous research results,combined with the related theory of third party financial institutions of government supervision,at the same time,the use of qualitative and quantitative,combining theory with practice and other methods,through field investigation on the situation of China's third party financial institutions the empirical data,the development situation of China's third party financial institutions the focus of industry,government regulation of the existing problems and causes of the problems are discussed,finally put forward to strengthen and improve our country's third party financial institutions and government regulatory proposals.The two is the research content innovation.According to China's third party financial institutions the government supervision as the core,to the current situation of the development of China's third party financial institutions of the industry,the problems existing in the development and the status quo of government supervision of major foreign countries,experience and Enlightenment of points Analysis of the highlights,is not confined to the study of government regulation of China's third party financial institutions,combined with the national government supervision analysis of scientific orientation,so as to provide reference and guidance for strengthening and perfecting the third party financial institutions and government supervision.