关于中国商业银行体系内影子银行运行模式的探讨

发布时间：2018-03-16 09:00

本文选题：影子银行　切入点：银信理财合作　出处：《广东财经大学》2013年硕士论文　论文类型：学位论文

【摘要】：次贷危机将“影子银行”这一概念带进了公众视野，它对于美国而言，既造就了美国经济的繁荣，却最终也是造成次贷危机发生的一个关键因素。它的重要存在性使得它成为各国政府在稳定金融体系与发展经济时无法回避的一个区域。受次贷危机的影响，我国实施了积极型的财政政策与宽松型的货币政策。在这一背景下，银行信贷规模扩大，流动性充足，投资需求旺盛，却造成了CPI的偏高，随着经济态势的好转，货币政策逐步回归常态，使得商业银行面临着巨大的揽存压力，并且严格的存贷比规模监管，也大大束缚了商业银行的贷款能力，压缩了其利润空间。因而影子银行成为融资困难的中小企业解决资金难题的一个重要途径，这一客观事实让中国的影子银行迅速发展，而商业银行体系内影子银行是我国影子银行的主要组成部分，本文以商业银行体系内影子银行的运行模式为主，着重分析运行模式中存在的问题、成因及其影响，结合我国的客观现实，提出进一步规范商业银行体系内影子银行运行模式的措施，使得影子银行充分发挥其有利效应，，成为商业银行的完美补充，促进我国金融市场、经济的更好发展。
[Abstract]:The subprime crisis has brought the concept of "shadow banking" into the public eye, and for the United States, it has contributed to the prosperity of the American economy. But it is also a key factor that causes the subprime mortgage crisis. Its important existence makes it a region that governments can not avoid in stabilizing the financial system and developing the economy. Under the influence of the subprime mortgage crisis, China has implemented the active fiscal policy and the loose monetary policy. Under this background, the bank credit scale is expanded, the liquidity is sufficient, the investment demand is exuberant, but the CPI is on the high side. With the improvement of the economic situation and the gradual return of monetary policy to normal, commercial banks are faced with enormous pressure to collect deposits, and the strict supervision of the scale of deposit to loan ratio greatly constrains the loan ability of commercial banks. Thus, shadow banking has become an important way for small and medium-sized enterprises with financing difficulties to solve their financial difficulties. This objective fact has enabled the rapid development of shadow banks in China. The shadow bank in the commercial bank system is the main component of the shadow bank in our country. This paper mainly focuses on the operation mode of the shadow bank in the commercial bank system, focusing on the problems, causes and effects in the operation mode. Combined with the objective reality of our country, this paper puts forward some measures to further standardize the operation mode of shadow bank in the commercial banking system, so that the shadow bank can give full play to its beneficial effect, become the perfect supplement of the commercial bank, and promote the financial market of our country. Better economic development.
【学位授予单位】：广东财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.3

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