银行的影子:以银行法为中心的影子银行分析框架

发布时间：2018-06-09 05:12

本文选题：影子银行 + 银行法　；参考：《清华法学》2017年06期

【摘要】：金融危机余波未尽,经济下滑和高杠杆又让人担心可能出现触发系统性风险的"黑天鹅"或"灰犀牛"事件。影子银行由于无法得到有效监管而成为众矢之的。研究影子银行一般侧重系统性风险和监管的双重维度,具有现实性和紧迫性。本文以银行法为中心,从理解传统银行的信用中介过程和信用创造功能出发,梳理影子银行的核心功能和本质属性,比较影子银行和传统银行之间的主要异同,揭示影子银行中介过程和资金链条的特质,进而解画影子银行与传统银行之间内在关联和机理。这一分析范式有助于真切理解影子银行的本质和监管影子银行的机制性困境,为设计有效的影子银行监管工具提供学理基础,以利于解决与影子银行相关的监管失灵、市场失灵和信息失灵。
[Abstract]:The fallout from the financial crisis, the economic downturn and high leverage raised fears of a "black swan" or a "gray rhinoceros" that could trigger systemic risk. Shadow banking has become a target for its inability to be effectively regulated. It is realistic and urgent to study shadow banking on the dual dimensions of systemic risk and supervision. This paper focuses on the banking law, starting from the understanding of the credit intermediary process and credit creation function of the traditional banks, combing the core functions and essential attributes of the shadow banking, comparing the main similarities and differences between the shadow banks and the traditional banks. It reveals the characteristics of the intermediary process and the capital chain of the shadow bank, and then explains the inner relationship and mechanism between the shadow bank and the traditional bank. This paradigm helps to understand the nature of shadow banking and the institutional dilemma of shadow banking regulation, and provides a theoretical basis for the design of effective regulatory tools for shadow banking in order to solve the regulatory failures associated with shadow banking. Market failure and information failure.
【作者单位】：山东大学法学院;
【基金】：中国法学会金融法治方阵重点委托研究课题“中国影子银行的法律规制” 中国法学会2016年度部级法学研究重点课题“国际金融治理体系重建——以G20为中心”[项目号CLS(2016)B09]的成果
【分类号】：D922.281

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