我国影子银行体系的发展及监管问题研究
发布时间：2018-11-07 16:02
【摘要】：影子银行体系,起源于全球金融最发达的美国,因其酿就2008年金融危机而广为人知。影子银行体系在此次国际金融危机产生、发展演变过程中扮演了重要角色。影子银行能够引发系统性的金融风险,因此对影子银行的监管在金融危机后受到各国监管部门的高度重视。虽然我国影子银行无论是构成还是运作方式特别是风险表现形式和程度与美国影子银行都有较大差别,并且不像美国影子银行那样成为导致金融危机的主要原因,但是当前我国影子银行的不规范和无序运作,开始对我国的金融健康运行构成威胁,潜在的系统性风险开始出现。所以,应尽早规范我国影子银行的运行规则,完善相关法律制度,促进影子银行有序运行。本文在借鉴美国金融改革监管经验的基础上,结合中国金融发展和监管的实际情况,有针对性地提出完善我国影子银行体系风险监管的对策,使其在金融体系中发挥积极的融资作用,更好的为中国金融发展做出贡献。 文章共分为五个章节： 第一章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,以及本文的创新及不足之处。 第二章主要对影子银行的基础理论进行了概述。首先结合国内外学者的研究给影子银行一个明确的定义,然后详细地分析和阐述了影子银行的特点,分析了传统商业银行与影子银行之间的区别。 第三章详细地介绍了我国影子银行的发展历程和发展现状,同时分析了我国目前影子银行的构成情况,总结了我国影子银行兴起和快速发展的原因。从正反两个方面分析了影子银行对我国经济的影响。考擦我国对影子银行监管的现状,总结出监管中存在的问题。 第四章主要介绍了美国影子银行体系的构成、运行机制,重点分析了美国在金融危机前后对影子银行监管的措施以及政策的改革。将我国的影子银行与美国影子银行进行比较分析,得出我国影子银行在其构成以及运行机制、风险传递、资产证券化的程度等方面存在着很大的区别。由于影子银行在美国发展最为成熟,美国对影子银行的监管政策对我国肯定具有借鉴意义。但是考虑到我国的现状,有必要结合我国的情况采取更有针对性的监管措施,旨在完善我国对影子银行的监管。 第五章是在以上研究和分析的基础上,提出完善我国影子银行监管的政策建议。首先要完善影子银行的监管立法、加强对金融创新的监管；其次要建立影子银行和商业银行之间的风险隔离机制、防止风险传递,加强影子银行的信息披露要求；最后要积极推进利率市场化改革。
[Abstract]:The shadow banking system, which originated in America, the world's most financially developed country, is well known for the 2008 financial crisis. Shadow banking system has played an important role in the emergence and evolution of the international financial crisis. Shadow banking can lead to systemic financial risk, so the supervision of shadow banking has been attached great importance by the regulatory authorities in various countries after the financial crisis. Although our country's shadow banking is different from the United States' shadow banking in terms of its composition or operation, especially the form and degree of risk expression, it is not the main cause of the financial crisis like the United States' shadow banking. However, the non-standard and disorderly operation of shadow banking in our country is threatening the healthy operation of our country's finance, and the potential systemic risk begins to appear. Therefore, we should standardize the operation rules of shadow banks as soon as possible, perfect the relevant legal system, and promote the orderly operation of shadow banks. Based on the experience of American financial reform and supervision and the actual situation of China's financial development and supervision, this paper puts forward some countermeasures to improve the risk supervision of China's shadow banking system. Make it play an active financing role in the financial system, and better contribute to the financial development of China. The article is divided into five chapters: the first chapter introduces the background and significance of the topic, and briefly describes the domestic and foreign scholars on the relevant areas of some important research results and this research ideas. And the innovation and deficiency of this paper. The second chapter summarizes the basic theory of shadow banking. This paper first gives a clear definition of shadow banking combined with the research of scholars at home and abroad, then analyzes and expounds the characteristics of shadow banking in detail, and analyzes the differences between traditional commercial banks and shadow banks. The third chapter introduces the development history and present situation of shadow banking in China, and analyzes the composition of shadow banking in China, and summarizes the reasons for the rise and rapid development of shadow banking in China. This paper analyzes the influence of shadow banking on China's economy from two aspects: positive and negative. This paper examines the present situation of shadow banking supervision in China, and summarizes the existing problems in supervision. The fourth chapter mainly introduces the composition and operation mechanism of the shadow banking system in the United States, focusing on the analysis of the regulatory measures and policy reform of the shadow banking in the United States before and after the financial crisis. By comparing the shadow banks in China with those in the United States, it is concluded that there are great differences in the composition and operation mechanism, risk transmission, and the degree of asset securitization in China's shadow banks. As shadow banking is the most mature in the United States, the regulatory policy of shadow banking in the United States will certainly have reference significance for our country. However, considering the present situation of our country, it is necessary to take more targeted supervision measures according to the situation of our country, in order to perfect the supervision of shadow banking in our country. On the basis of the above research and analysis, the fifth chapter puts forward some policy suggestions to improve the supervision of shadow banking in China. Firstly, we should perfect the supervision legislation of shadow bank, strengthen the supervision of financial innovation, establish the risk isolation mechanism between shadow bank and commercial bank, prevent risk transmission, and strengthen the information disclosure requirement of shadow bank. Finally, we should actively promote the reform of marketization of interest rates.
【学位授予单位】：东北财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.1
本文编号：2316852
[Abstract]:The shadow banking system, which originated in America, the world's most financially developed country, is well known for the 2008 financial crisis. Shadow banking system has played an important role in the emergence and evolution of the international financial crisis. Shadow banking can lead to systemic financial risk, so the supervision of shadow banking has been attached great importance by the regulatory authorities in various countries after the financial crisis. Although our country's shadow banking is different from the United States' shadow banking in terms of its composition or operation, especially the form and degree of risk expression, it is not the main cause of the financial crisis like the United States' shadow banking. However, the non-standard and disorderly operation of shadow banking in our country is threatening the healthy operation of our country's finance, and the potential systemic risk begins to appear. Therefore, we should standardize the operation rules of shadow banks as soon as possible, perfect the relevant legal system, and promote the orderly operation of shadow banks. Based on the experience of American financial reform and supervision and the actual situation of China's financial development and supervision, this paper puts forward some countermeasures to improve the risk supervision of China's shadow banking system. Make it play an active financing role in the financial system, and better contribute to the financial development of China. The article is divided into five chapters: the first chapter introduces the background and significance of the topic, and briefly describes the domestic and foreign scholars on the relevant areas of some important research results and this research ideas. And the innovation and deficiency of this paper. The second chapter summarizes the basic theory of shadow banking. This paper first gives a clear definition of shadow banking combined with the research of scholars at home and abroad, then analyzes and expounds the characteristics of shadow banking in detail, and analyzes the differences between traditional commercial banks and shadow banks. The third chapter introduces the development history and present situation of shadow banking in China, and analyzes the composition of shadow banking in China, and summarizes the reasons for the rise and rapid development of shadow banking in China. This paper analyzes the influence of shadow banking on China's economy from two aspects: positive and negative. This paper examines the present situation of shadow banking supervision in China, and summarizes the existing problems in supervision. The fourth chapter mainly introduces the composition and operation mechanism of the shadow banking system in the United States, focusing on the analysis of the regulatory measures and policy reform of the shadow banking in the United States before and after the financial crisis. By comparing the shadow banks in China with those in the United States, it is concluded that there are great differences in the composition and operation mechanism, risk transmission, and the degree of asset securitization in China's shadow banks. As shadow banking is the most mature in the United States, the regulatory policy of shadow banking in the United States will certainly have reference significance for our country. However, considering the present situation of our country, it is necessary to take more targeted supervision measures according to the situation of our country, in order to perfect the supervision of shadow banking in our country. On the basis of the above research and analysis, the fifth chapter puts forward some policy suggestions to improve the supervision of shadow banking in China. Firstly, we should perfect the supervision legislation of shadow bank, strengthen the supervision of financial innovation, establish the risk isolation mechanism between shadow bank and commercial bank, prevent risk transmission, and strengthen the information disclosure requirement of shadow bank. Finally, we should actively promote the reform of marketization of interest rates.
【学位授予单位】：东北财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.1
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