我国影子银行监管法律制度研究

发布时间：2018-04-11 12:24

本文选题：影子银行 + 系统性风险　；参考：《天津工业大学》2015年硕士论文

【摘要】：文章通过对影子银行及其监管进行系统的研究,阐述我国当前影子银行的特征及主要存在形式,分析监管的现状及存在的主要问题,为完善影子银行的监管提供一些参考性的建议。文章主要运用了经济法学中的金融法理论和风险管理理论,并结合经济学中的监管套利理论等多学科知识,通过对中外文献的系统性研究,运用历史分析和比较分析相结合的方法进行剖析。文章的特点在于从政府监管和行业内控自律两个视角出发,从宏观层面的监管理念的确立、监管模式的选取及监管权限的设定引出微观层面具体的监管措施。经过对境外影子银行监管实践的经验梳理、总结与对比分析,借鉴国外先进理念,得出适合我国具体国情的影子银行监管方案,即我国应逐步实现从分业监管模式向统一监管模式的转变,完善宏观审慎监管制度,构建金融消费者权益保护制度,完善强化影子银行的准入退出、信息披露制度及内控及行业自律机制,建立国际监管协调合作机制,并完善金融业的法律建设。除引言和结语外,文章由以下四个部分组成：第一部分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、主要形式及对我国经济不利的影响,在肯定影子银行存在的合理性以及必要性的同时,我们更要要正视并积极应对其存在的问题和引发的负面效应。第二部分从我国影子银行的各种表现形式入手,阐述我国影子银行法律监管现状,剖析其法律监管中存在的问题,包括监管目标界定不够明确、忽视风险监管、监管不透明、信息披露机制不健全、内控制度和行业自律制度薄弱、监管协调性差、国际监管合作不足及金融监管法律体系不完善等。第三部分介绍境外影子银行监管实践及启示,主要介绍了美英、欧盟影子银行监管的主要措施和具有代表性的法案或指令,并进行对比分析,找出我国可以借鉴之处,如以审慎监管理念取代新自由主义、重视监管协调和国际合作、扩大监管范围、加强金融消费者保护等。第四部分针对我国影子银行监管存在的问题,结合境外先进经验的借鉴与我国具体国情,建议健全宏观审慎监管框架,以金融公平和金融安全的平衡的理念为指引,主张影子银行的适度、协调监管,从监管理念确立、监管模式选取和监管权限设定等方面入手,提出一些具体的监管措施建议。
[Abstract]:Based on the systematic study of shadow banking and its supervision, this paper expounds the characteristics and main existing forms of shadow banking in China, and analyzes the present situation and main problems of supervision.In order to improve the supervision of shadow banks to provide some reference suggestions.The article mainly uses the financial law theory and the risk management theory in the economic law, and combines the multi-disciplinary knowledge such as the regulatory arbitrage theory in the economics, through the systematic research to the Chinese and foreign literature.Use the method of historical analysis and comparative analysis to analyze.The characteristics of this paper are from the perspective of government supervision and industry internal control self-discipline, from the macro level of the establishment of the concept of supervision, the selection of regulatory models and the establishment of regulatory authority to lead to the micro level of specific regulatory measures.Through combing the experience of overseas shadow banking supervision practice, summarizing and contrasting analysis, drawing lessons from foreign advanced ideas, get the shadow banking supervision scheme suitable for our country's specific national conditions.That is, our country should gradually realize the transformation from the mode of separate supervision to the mode of unified supervision, perfect the macro-prudential supervision system, construct the system of protecting the rights and interests of financial consumers, perfect and strengthen the entrance and exit of shadow bank.Information disclosure system, internal control and industry self-discipline mechanism, establish international regulatory coordination and cooperation mechanism, and improve the legal construction of the financial industry.In addition to the introduction and conclusion, the article is composed of the following four parts: the first part is an overview of shadow banking, mainly describes the definition of shadow banking, basic characteristics, main forms and adverse effects on China's economy.While affirming the rationality and necessity of shadow banking, we should face up to its problems and deal with the negative effects.The second part starts with the various forms of the shadow banking in our country, expounds the present situation of the legal supervision of the shadow bank in our country, and analyzes the problems existing in the legal supervision of the shadow bank, including the definition of the supervision target is not clear enough, neglects the risk supervision, and the supervision is not transparent.The information disclosure mechanism is not perfect, the internal control system and the profession self-discipline system are weak, the supervision coordination is poor, the international supervision cooperation is insufficient, and the financial supervision legal system is not perfect, etc.The third part introduces the overseas shadow banking supervision practice and enlightenment, mainly introduces the main measures of shadow banking supervision in the United States, the United Kingdom, the European Union and the representative acts or directives, and makes a comparative analysis to find out what our country can use for reference.For example, we should replace neoliberalism with the idea of prudential supervision, attach importance to the coordination of supervision and international cooperation, expand the scope of supervision and strengthen the protection of financial consumers.In the fourth part, aiming at the existing problems of shadow banking supervision in our country, combining with the overseas advanced experience and the specific conditions of our country, the author suggests that the macro-prudential regulatory framework should be perfected and guided by the idea of balance between financial fairness and financial security.This paper advocates the moderate and coordinated supervision of shadow banking, starting with the establishment of supervision idea, the selection of supervision mode and the setting of supervision authority, and puts forward some concrete suggestions on supervision measures.
【学位授予单位】：天津工业大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D922.281

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