我国影子银行的发展研究

发布时间：2018-07-08 11:52

本文选题：金融 + 影子银行　；参考：《华中科技大学》2013年硕士论文

【摘要】：2008年一场世界金融危机，将影子银行展现到了人们的视角之下，各国都开始了对影子银行的关注和研究。2011年我国温州地区发生民间借贷危机，之后又发生多起银行理财产品和信托业务出现无法兑付的危机，至此我国影子银行走到了风口浪尖上，学术界、政府部门对其引发了激烈的争辩。本文就在这个大背景之下，借鉴当前国内外对影子银行的研究基础上，首先探讨了影子银行在我国的存在性问题，发现我国影子银行确实是存在的，但与国外影子银行有较大的区别。接着据此对我国影子银行进行了界定，描述了我国影子银行在当前的发展，，并介绍了我国典型的影子银行业务。此外还提供了两种估算我国影子银行规模的方法，从定量的角度对我国影子银行的发展进行佐证。然后在论述影子银行在我国当前的发展现状的基础上，探讨了其给我国带来的挑战和机遇。主要机遇是增加实体经济融资渠道，弥补资金缺口，促进经济增长；缓解信贷市场信息不对称问题，鼓励金融创新，激活金融市场，提高金融市场流动性，加快金融市场市场化进程。主要挑战是影子银行隐含具有高的风险性，给监管和防范带来了较大的挑战，同时它还能对冲货币政策的有效性，给宏观调控带来挑战，另外它还能威胁实体经济的发展，给我国经济转型带来挑战。最后论文研究我国有哪些相应的措施来应对这些机遇和挑战，以期为规范我国影子银行体系、灵活应用影子银行体系提供些许建议。
[Abstract]:In 2008, a world financial crisis brought shadow banking to people's perspective, and various countries began to pay attention to and study shadow banking. In 2011, there was a private lending crisis in Wenzhou, China. After that, there are many crises that can not be paid in banking financial products and trust business. So far, the shadow banking in our country has been on the cusp of the wind, and the academic circles and government departments have aroused fierce debate on it. Based on this background and the current research on shadow banking at home and abroad, this paper first discusses the existence of shadow banking in China, and finds that shadow banking does exist in China. But there is a big difference with foreign shadow banks. Then it defines the shadow banking in China, describes the development of the shadow banking in China, and introduces the typical shadow banking business in China. In addition, two methods of estimating the size of shadow banks in China are provided to prove the development of shadow banks in China from a quantitative point of view. Then, on the basis of discussing the present development situation of shadow banking in our country, this paper discusses the challenges and opportunities it brings to our country. The main opportunities are to increase the channels of financing for the real economy, to fill the financing gap, to promote economic growth, to alleviate the problem of asymmetric information in the credit market, to encourage financial innovation, to activate the financial market, and to enhance the liquidity of the financial market. We will speed up the process of financial marketization. The main challenge is that shadow banking has a high risk, which brings a great challenge to supervision and prevention. At the same time, it can also hedge the effectiveness of monetary policy, bring challenges to macro-control, and threaten the development of the real economy. It brings challenges to the economic transformation of our country. Finally, this paper studies the corresponding measures to deal with these opportunities and challenges in order to provide some suggestions for the regulation of shadow banking system and the flexible application of shadow banking system in China.
【学位授予单位】：华中科技大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.3

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