经济转型条件下吉林省中小企业融资的政府支持方向简

吉林省中小企业发展起步较晚,与发达省份相比差距很大,并且面临诸多问题,其中以融资难问题最为突出.本文分析了吉林省中小企业融资存在的问题和融资难的原因,并就经济转型条件下吉林省中小企业融资的政府支持方向进行探讨,提出实施中小企业转型升级与成长工程,建立科学高效的中小企业融资支持体系,构建功能齐全的中小企业信贷服务体系等建议,以期对中小企业走出融资困境有所裨益.     

互联网时代民间融资法律规制的新问题

互联网在改变我们生活方式的同时,也改变着经济活动的方式.民间资金与互联网结合形成一个既不同于正规金融市场,也不同于民间融资市场的新型金融市场,生成一个配置民间金融资源的新型市场体系,改变了传统民间融资市场的信息约束条件,克服了传统民间融资法律监管中的信息不对称困境,使民间融资法律监管成为可能.同时,互联网金融实现了销售渠道和方式的创新,改变了金融市场的主体、价格、交易工具等要素.面对互联网时代民间融资市场的新发展,既不能简单地强调严厉监管,完全适用正规金融监管制度,也不能完全适用规制传统民间融资的法律制度,应当在现行民间融资法律制度基础上,构建适用于传统民间融资和互联网民间融资的二元民间融资法律制度,采用非审慎的重点监管原则,纳入宏观监管的框架,以消费者保护、合规监管、竞争监管为重点,建立适合互联网时代民间融资特点的法律制度,促进互联网金融的健康发展.     

小微企业民间融资的国际比较及借鉴

当前,民间融资已经成为小微企业融资的新渠道,但是,小微企业民间融资还面临着立法、体制和监管多方面的问题,境地尴尬。我国要解决小微企业融资难问题,结合我国国情,考察和学习美国、日本、德国等发达国家的先进经验不失为一种可取方法,尽管其模式各有特色,并无优劣之分,但也存在诸多的共同点。在政府定位、健全立法、加快小微企业民间融资信用担保体系建设、大力发展民间中小金融机构、畅通民间融资与小微企业间的融资渠道等多个方面值得我国借鉴。     

The impact of equal offortunity compliance laws in government contrgcting: the shelby county,tennessee experience

Abstract

Very few researchers have addressed the long‐term financing arrangements of municipal governments in developing countries. No research has evaluated empirically either the elements that affect municipal borrowing in developing countries or what those elements reveal about the municipal credit system. Analyzing Brazilian municipal loan and financial data with a series of simultaneous equations, this paper addresses the following questions: What factors determine municipal government investment levels, borrowing levels, and borrowing prices? What do empirical data reveal about the character of the Brazilian municipal credit system? The results show that investment, borrowing, and borrowing prices are interconnected. Furthermore, while some signs of a market‐based system exist, there is evidence that investment and borrowing decisions are made within an administered market.     

Public Sector Risk Financing: Exploring the Potential Use of Weather Derivatives by Fire and Rescue Services

The floods of 2007, experienced across much of England, resulted in local authority organisations, including Fire and Rescue Services, mounting large-scale responses and incurring additional and unexpected expenditure. Although central government activated funding schemes, some local authorities fell below the thresholds set and had to absorb the additional costs. This raised a question of what alternative methods were available to allow these local authority organisations to finance such unexpected costs. Weather derivatives are widely used in certain sectors to manage the financial risk that arises from undesirable weather conditions and the objective of this research is to explore the reactions of an FRS towards the use of these financial instruments in managing additional costs, such as those arising from the 2007 floods. Our findings suggest that a combination of risk-aversion, lack of specific financial knowledge and comfort with the status quo seem set to stifle development of weather derivatives as an innovation in public sector risk financing. However, this exploratory study suggests that the method has some merit and is at least worthy of further examination.     

民间借贷融资中民刑交叉适用的冲突与协调

金融犯罪案件多涉及民刑交叉问题,采用“先刑后民”原则往往容易忽视当事人的意思自由及处分权,对民事争议中的私权完全不重视。导致附带民事诉讼的审理“过场化”。基于私人财产权优先的学理基础,金融领域民刑交叉案件中的“民商先行”既为了加强对金融民商实体法的运用．更为了缓和金融刑法重刑主义。赋予民间借贷融资中贷款人诉讼选择权。让贷款人在刑事诉讼之前选择是否适用民事诉讼,即实行“先民后刑”。对于民间借贷融资中的民刑交叉适用,应当秉持刑法具有的内敛品格,实现从金融违法行为的“刑法依赖”到“非刑法依赖”的转变。     

Internet Finance Fest

正RAPID development of the Internet and mobile Internetbased financing in recent years has created a spate of new-type financial institutions and services.They include mobile payment,online auction companies and online wealth management services.Internet-based financing–a blend of information network technology and modern finance–is impelling conventional finance towards unprecedented     

加快西部地区新农村建设投融资的思考

目前,在我国西部地区新农村建设中,投融资面临着许多问题和制约因素。因此,要研究西部地区新农村建设的投融资问题,积极探索西部地区新农村建设的投融资的途径,加大投融资力度,为西部地区新农村建设提供有效资金。     

农村教育融资问题研究

农村基础教育作为准公共品 ,具有很大的正外部性或者“邻里效应”。政府应该在全国农村保障提供满足最低标准的基础教育产品 ,市场则可以根据公民的差别需求和偏好提供同样满足最低标准的、非平均化的差别产品。从中国财政资金总量来看 ,农村义务教育问题不是财政资金供给严重不足问题 ,而是财政资金分配严重不合理问题。设计一种合理的转移支付制度可以从根本上解决农村教育融资问题。     

我国民营企业融资问题初探

当前 ,我国民营企业正逐渐发展成为经济增长的主要力量 ,但长期以来 ,融资难的问题始终是制约其迅速发展的“瓶颈”。因而 ,必须从国家、社会发展的全局的角度出发 ,进一步深化各项改革 ,切实解决好我国民营企业融资困难问题 ,大力促进民营经济进一步发展