影子银行监管法律问题研究

发布时间：2018-03-22 19:26

本文选题：影子银行　切入点：金融创新　出处：《西南政法大学》2014年硕士论文　论文类型：学位论文

【摘要】：影子银行的无限扩张是催生2008年全球金融海啸的最根本诱因。在全新的金融体系格局下，加强对影子银行体系的宏观监管成为各国监管改革的关注重点。我国影子银行无论在规模、内容、风险上都与国际影子银行存在较大差距，具有显著的“中国特色”。长期对金融领域实行严格的行政管制直接导致我国影子银行的产生和膨胀。影子银行作为正规银行系统的重要补充，能够有效满足主体多层次、多元化的金融需求，在推进中国实体经济发展方面发挥着功不可没的作用，但现有金融体制和监管框架严重滞后于金融创新，成为投机者进行监管套利的主要工具，严重阻碍了我国金融领域的长足发展。因此，必须要对我国传统金融体制进行改革，承认并维护影子银行的重要地位，在坚守不发生系统金融风险的基础上逐步放开对金融创新的管制，充分发挥影子银行的积极作用，保障金融市场的稳定发展。本文以影子银行法律监管为主题，以影子银行为主线，沿着“一般理论—具体分析—对策建议”的研究思路展开论述，具有显著的现实意义。本文通过影子银行的概念、基本特点以及对中国经济的影响做了详细的界定和叙述，明确了影子银行的主体范围和本质特征，进而在对比域外国际组织和发达国家金融监管体制改革的相关内容和规定后，结合我国现行影子银行监管法律制度的实际问题，有取舍的借鉴国外先进监管经验，有针对性地提出了具体完善措施，希望能促进我国影子银行规范化发展，刺激金融市场的良性竞争，紧跟金融监管改革的国际潮流。全文共分为四个章节：引言，这部分主要介绍了本文的选题来源和选题意义，总体框架和研究方法，并梳理归纳了国内外学者就影子银行问题所做的研究成果。第一章是关于影子银行的概述，，主要阐述了影子银行的定义、基本特征以及影子银行对我国经济的正负影响。首先结合国内外学者的不同研究视角和概念研究，对影子银行的定义进行详细的辨析，同时概括了影子银行基本特征，揭示影子银行的本质，最后分析了影子银行对中国经济的积极影响和消极影响，肯定影子银行存在的合理性以及必要性，认为应该要鼓励影子银行发展的同时，要防范其造成的风险。第二章主要是对美国、英国、欧盟以及国际组织应对金融危机的监管改革进行总结、分析和比较，总结了外国先进的监管模式和监管经验和启示，确立了国际监管改革的未来趋势，这为我国日后金融监管体制的改革提供了有力的参考。第三章主要是探讨我国的监管现状及面临的主要困境。首先对中国式影子银行的现存样态进行深入剖析，分析我国金融监管体制的不足之处，为完善影子银行的监管打下坚实的基础。第四章是完善对策。首先，要改变我国行政管制过多的传统监管理念，实现功能性的监管模式的变迁，其次，要树立适度监管和审慎监管的基本原则，实现金融监管的合法化和合理化。再次，健全相关金融立法，重视保护金融消费者，提升风险管理能力。最后，推动全球金融合作，全方位的控制、监测金融风险。
[Abstract]:The unlimited expansion of the shadow banking is the most fundamental cause of the birth of the 2008 global financial tsunami. In the new pattern of financial system, strengthen macro regulation of the shadow banking system has become the focus of national regulatory reform. China's shadow banking content in terms of scale, risk and international shadow banking has a large gap, with significant "China characteristics". The long-term strict administrative control of the financial sector directly led to China's shadow banking and shadow banking expansion. As an important supplement to the formal banking system, can effectively meet the main multi-level, diversified financial demand, play a role in promoting unceased Chinese economic development entities, but the framework of the existing financial system and regulatory lag in financial innovation, become a major tool for regulatory arbitrage speculators, a serious impediment to China's financial field The rapid development. Therefore, must carry on the reform of China's traditional financial system, recognize and maintain the important position of shadow banking, while sticking to the system of financial risk does not occur on the gradual liberalization of financial innovation regulation, give full play to the positive role of shadow banking, security and stable development of the financial market. Based on the shadow banking the legal supervision as the theme, with the shadow banking as the main line, along the "general theory of concrete analysis - countermeasures and suggestions" discussed, has significant practical significance.
Through the concept of shadow banking, the basic characteristics and influence on the economic China defines in detail, clear the scope of the main body of the shadow banking and the essential characteristics, and in contrast the extraterritorial related content of international organizations and developed countries financial supervision system reform and regulation, combined with the practical problems of China's current shadow banking supervision law the system, choosing to learn from foreign advanced experience, puts forward specific improvement measures, hope to promote China's shadow banking standardization development, stimulate the benign competition of the financial market, followed by the financial regulatory reform of the international trend.
The full text is divided into four chapters.
Foreword, this part mainly introduces the source and significance of the topic selection, the general framework and research methods, and summarizes the research achievements of domestic and foreign scholars on the shadow banking problem.
The first chapter is an overview on the shadow banking, mainly expounds the definition of shadow banking, shadow banking and the basic characteristics of positive and negative impacts on China's economy. Firstly, according to the different research perspective and the concept of scholars at home and abroad, a detailed analysis of the definition of shadow banking, and summarizes the basic characteristics of the shadow banking, revealing the essence of shadow the bank, finally analyzes the positive influence on the economic China shadow banking and the negative effect of affirming the existence of shadow banking rationality and necessity, that should encourage the development of shadow banking at the same time, to prevent the risk.
The second chapter is mainly on the United States, Britain, the European Union and international organizations to address the financial crisis for regulatory reform are summarized, analyzed and compared, summed up the foreign advanced supervision mode and experience and enlightenment, and established the future trend of international regulatory reform, this is our country after the reform of financial supervision system provides a good reference.
The third chapter mainly discusses the current situation and main difficulties of China's supervision. First, it analyzes the existing forms of Chinese shadow banking, analyzes the shortcomings of China's financial regulatory system, and lays a solid foundation for improving the supervision of shadow banking.
The fourth chapter is countermeasures. First of all, to change China's administrative control over the traditional concept of supervision of the implementation of changes, functional supervision mode secondly, basic principles to establish appropriate supervision and prudential supervision, realize the legalization and rationalization of financial supervision. Thirdly, improve relevant financial legislation, pay attention to the protection of financial consumers and enhance the risk management ability. Finally, the promotion of global financial cooperation, the full range of control, monitoring of financial risks.

【学位授予单位】：西南政法大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：D922.281

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