摘 要

作为现代金融业的鼻祖，典当属于一种富有历史性的融资方式，其发展具有明显的阶段性。属于人类文明的重要组成部分，典当孕育了现代金融业。其具有额度小、分布广、经营灵活、服务性强，安全性高等特点。作为特定物品或者财产权利质押的一种形式，其本质是以物换钱。对社会发展做出了巨大贡献。但与之相对应的是，现代典当行业的政府规制也存在一些问题。本研究对相关理论进行了概述；通过问卷调查等方式发掘出目前典当行业的短板和不足之处，发现其行业监管的制度问题，从提升我国典当行业的角度出发，从提高法律效力、完善融资制度、完善行业监管和加强融资创新等探讨解决问题的对策。政府部门制订针对典当行业规范的相关法律、法规提供较为科学的依据。

关键词：典当行业 政府规制 问题 对策

Title Problems and Countermeasures of pawnbroking in China

Abstract

Pawning is a form of pledge of specific goods or property rights.The special financing method of lending to a pawn agency is a marginal business type and format between the financial industry and the circulation industry. The basic characteristics of pawns are small lending amount,flexible operation, wide distribution, strong service and high security. The article first analyzes the relevant nature of the pawn industry and outlines its related theories; then it discusses the existing risks and the difficulties facedby the industry in China, this paper discusses the countermeasures to solve the roblems from the perspectives of improving the legal effect,perfecting the financing system, perfecting the industry supervision and strengthening the financing innovation. Therefore, the author hopes to promote the pawnbroking industry in China to effectively avoid all kinds of risks and maintain sustainabledevelopment in the new financial environment through my own research.

Keywords：Pawn industry Existing problems Countermeasure research