我国影子银行融资风险法律规制研究

发布时间：2019-02-26 21:18

【摘要】：2008年的全球金融危机对世界许多国家的经济都造成了破坏,产生了不同程度的影响,至今很多国家的经济都没有完全恢复。对于这次金融危机爆发的原因,很多国家、组织以及学者都做了相关研究,而影子银行的缺乏监管被认为是此次危机爆发最关键的原因。由于影子银行处于监管空白地带或者很少受到金融监管,并且积极追求高收益的回报,因而往往也会产生巨大的风险,在全球经济一体化的发展下,影子银行的风险也传播迅速,对各国经济也造成不同程度的负面影响。与国外主要以证券化活动为主并且品种、结构相对复杂的影子银行不同,中国影子银行的发展目前还处于起始阶段,基本属于提供信用创造功能的信用中介或业务,主要提供的是融资的功能。我国的影子银行目前在一定程度上还和商业银行的功能类似,由于中国经济的持续发展,中国影子银行的规模也在迅速增长,相应产生的融资风险也会逐渐加大。在面临我国影子银行所蕴含的融资风险时,应从国家层面通过法律规制的方法去控制,由于我国缺乏相应的经验,所以应从国外学习控制风险的有效经验再结合我国当下的具体情况,形成符合中国国情的监管体系。从法律层面探讨对影子银行产生的融资风险的控制,并提出合理的建议是本文的研究意义所在。本文分成六个部分来对我国影子银行融资风险的法律规制进行研究。第一部分是绪论,对本文的研究意义、国内国外的研究现状和文中所使用的研究方法进行介绍,可以对文章的整体有了大概的了解;第二部分阐述了影子银行以及其融资风险相关基本的理论知识,为主题的论述提供理论依据;第三部分从法律理论方面对影子银行融资风险的法律规制加以论述,提出融资风险法律规制的必要性及理论基础,为后文的研究提供基础;第四部分是对典型国家、地区和组织针对影子银行融资风险进行法律规制的研究,通过对比分析的方法对国外的经验进行评价,并得到具体针对我国影子银行产生的融资风险法律规制方面的启示;第五部分主要对我国影子银行现存的法律法规体系进行系统梳理,并分析其可能面临的融资风险,提出现行法律制度存在的主要问题等;第六部分主要论述健全我国影子银行融资风险法律规制的建议,提出了法律规制的基本原则并针对现存的问题提出具体的建议。
[Abstract]:The 2008 global financial crisis has caused damage to the economies of many countries in the world, and has had varying degrees of impact. So far, the economies of many countries have not fully recovered. Many countries, organizations and scholars have done relevant research on the causes of the financial crisis, and the lack of regulation of shadow banks is considered to be the most important reason for the outbreak of the crisis. Because shadow banks are in a regulatory void or rarely subject to financial regulation, and actively pursue high-yield returns, there is often a huge risk that under the development of global economic integration, Shadow banking risks also spread rapidly, with varying degrees of negative impact on national economies. Unlike shadow banking, which mainly focuses on securitization and has a relatively complex structure, the development of shadow banking in China is still in its initial stage, and it is basically a credit intermediary or business that provides credit creation function. It mainly provides the function of financing. The function of shadow banking in China is similar to that of commercial banks to a certain extent. Due to the sustained development of Chinese economy, the size of shadow banks in China is also growing rapidly, and the corresponding financing risks will gradually increase. In the face of the financing risks contained in shadow banks in our country, we should control them from the national level through the method of legal regulation, due to the lack of corresponding experience in our country. Therefore, the effective experience of risk control should be learned from abroad and combined with the present situation of our country, the regulatory system should be formed in line with China's national conditions. The research significance of this paper is to discuss the control of the financing risk produced by shadow banking from the legal level and put forward some reasonable suggestions. This paper is divided into six parts to study the legal regulation of the financing risk of shadow banks in China. The first part is the introduction, the research significance of this paper, the domestic and foreign research status and the research methods used in this paper are introduced, can have a general understanding of the whole article; The second part expounds the basic theoretical knowledge of shadow banking and its financing risk, which provides the theoretical basis for the theme of the discussion; The third part discusses the legal regulation of the financing risk of shadow banks from the legal theory, and puts forward the necessity and theoretical basis of the legal regulation of the financing risk, which provides the basis for the later research. The fourth part is the research on the legal regulation of shadow banking financing risk in typical countries, regions and organizations, and evaluates the experience of foreign countries through the method of comparative analysis. And get the enlightenment from the legal regulation of the financing risk produced by the shadow banks in our country. The fifth part mainly combs the existing laws and regulations system of shadow banking in our country, analyzes the financing risks it may face, and puts forward the main problems existing in the current legal system. The sixth part mainly discusses the suggestion of perfecting the legal regulation of shadow bank financing risk in our country, puts forward the basic principle of the legal regulation and puts forward the concrete suggestion to the existing problems.
【学位授予单位】：重庆大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D922.281

【相似文献】