中国影子银行监管问题研究

发布时间：2018-04-18 17:14

本文选题：影子银行 + 金融监管　；参考：《吉林大学》2013年硕士论文

【摘要】：随着金融创新和“金融脱媒”的迅速发展，金融市场结构呈现多元化。影子银行近几年来已经发展成为中国金融业的一个新的市场模式，其在补充正规金融机构和金融体系所不能满足的金融需求。但随着影子银行借贷规模迅速扩张，其对金融系统带来的风险也逐渐显现出来，影子银行不寻常的发展已经严重威胁到了中国的金融稳定。在全球监管者呼吁整顿“影子银行”的背景下，加强对影子银行的监管已经刻不容缓。本文在借鉴国际监管经验的同时，结合中国金融监管的实际，对影子银行进行监管，正确引导和规范民间借贷行为，使其健康发展，在金融体系发挥积极的融资作用，更好的为中国金融业发展做出贡献。文章共分为六个章节：在第一章中介绍了本文的选题背景和选题意义，并简要的阐述了国内外学者对相关领域的一些重要研究成果和本文的研究思路。本文通过对我国影子银行的风险分析，阐述中国影子银行的监管现状和存在的问题，总结国际监管经验的同时结合中国金融监管的实际，旨在完善我国对影子银行监管采取的对策。本文的第二章主要概括了我国影子银行的理论基础。首先结合国内外学者的研究给影子银行下定义，分析了国内外影子银行的区别。同时概括了中国影子银行的特点和表现形式。最后阐述了影子银行产生的原因。本文认为银根紧缩是影子银行产生的根本原因，金融创新助推了影子银行发展，利率双轨壮大了影子银行规模。第三章主要分析了我国影子银行对金融系统产生的影响。首先分析了影子银行产生的积极影响，认为影子银行的存在具有一定的合理性，补充了正规金融机构所不能满足的金融需求，有利于推动金融创新。其次分析了影子银行对商业银行、货币政策和金融稳定这三个方面所产生的风险和负面影响。第四章主要介绍了国外影子银行的监管现状及对我国的启示。对美国、英国、欧盟、金融稳定理事会对于影子银行的监管措施进行了分析，并总结了当前国际对加强影子银行监管的改革措施，借鉴国际经验的同时结合中国实际来制定中国影子银行监管的措施。第五章主要分析了我国影子银行监管的现状和存在的问题。首先分析了我国监管当局对信贷资产、银信合作、理财产品、网络借贷、民间金融这五个方面的监管现状及监管难点。其次对于我国影子银行监管存在的问题进行了综合分析，认为我国影子银行监管目前存在监管真空、监管措施不到位、金融监管滞后于金融创新的等问题。第六章主要针对我国影子银行监管存在的问题提出建议。首先在完善影子银行监管者的对策方面，建议要正确合理的引导影子银行发展，树立功能性监管理念，循序渐进的推进金融产品创新。其次在完善影子银行自律方面，要完善影子银行内控机制，并建立影子银行与商业银行之间的防火墙。在完善市场纪律方面，要完善信息披露制度，建立覆盖影子银行的法律法规。最后要积极推动市场利率化改革。
[Abstract]:With the rapid development of financial innovation and financial deregulation , the financial market structure is diversified . In recent years , the shadow bank has developed into a new market model of China ' s financial industry .

In the first chapter , the background and the significance of the topic selection are introduced , and some important research results and the research ideas of the scholars in the relevant fields are briefly described . The paper expounds the current situation and problems of China ' s shadow banking by analyzing the risk analysis of the shadow banking in China , summarizes the international supervision experience and combines with the practice of China ' s financial supervision , and aims to improve our country ' s countermeasures against shadow banking supervision .

The second chapter of this paper mainly summarizes the theoretical foundation of shadow banking in China . Firstly , combining the domestic and foreign scholars ' research to define the shadow bank , the paper analyzes the differences of shadow banking at home and abroad . At the same time , it summarizes the characteristics and forms of shadow banking in China .

The third chapter mainly analyzes the influence of shadow bank on financial system . First , it analyzes the positive influence of shadow bank , thinks that the existence of shadow bank has certain rationality , complements the financial requirement which the formal financial institution can not meet , is beneficial to the promotion of financial innovation . Secondly , it analyzes the risks and negative effects of shadow banking on the three aspects of commercial banks , monetary policy and financial stability .

The fourth chapter mainly introduces the current situation of the foreign shadow banking and its inspiration to our country . It analyzes the supervision measures of the shadow banking in the USA , the UK , the European Union and the Financial Stability Board , and summarizes the current international reform measures to strengthen the supervision of the shadow banking , and draw lessons from the international experience , and draw lessons from China ' s practice to formulate China ' s shadow banking supervision measures .

The fifth chapter mainly analyzes the current situation and existing problems of China ' s shadow banking supervision . Firstly , it analyzes the current situation and difficulties of the supervision authorities in China ' s shadow banking supervision .

The sixth chapter puts forward some suggestions on the existing problems of shadow banking supervision in China . First , in improving the countermeasures of shadow banking regulator , it is suggested to guide the development of shadow bank correctly , set up the idea of functional supervision and step by step forward the innovation of financial products . Secondly , to perfect the self - discipline of shadow banking , we should perfect the internal control mechanism of shadow banking and establish the firewall between shadow bank and commercial bank . In order to perfect market discipline , we should perfect the information disclosure system and establish laws and regulations covering shadow banking . Finally , we should actively promote the reform of market interest rate .

【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.39

【参考文献】