发达国家影子银行发展研究
发布时间：2019-02-15 00:33
【摘要】：2007年美国爆发了次贷危机，逐步席卷欧盟和日本等主要市场，最终引发了一场全球性的金融海啸，被称为金融魅影的“影子银行”作为危机爆发的重要导火索引起了全球的广泛关注，成为众矢之的。近年来，，我国影子银行出现爆发式增长，在提高社会融资效率弥补金融市场发展不足的同时，也带来了金融风险及对监管政策和货币政策的挑战，规范发展影子银行为我国经济金融发展所用，成为学术界和实务界共同关注的课题。发达国家影子银行在金融创新、产品复杂程度、杠杆率等方面远远超过我国影子银行，但是我国影子银行规模扩张迅速、与传统银行关联紧密、系统性风险较高。本文立足于充分研究后危机时代发达国家影子银行的发展，对比我国影子银行的本质和特点，对于反思金融危机、防范系统性风险、探讨金融创新具有重要意义。在辩证看待发达国家影子银行利弊的基础上，充分考虑当前我国金融体系发展的阶段性和特殊性，提出完善我国影子银行的监管机制，引导影子银行规范健康发展的政策建议。
[Abstract]:The subprime mortgage crisis broke out in the United States in 2007, which gradually swept over the major markets such as the European Union and Japan, and finally triggered a global financial tsunami. The shadow bank, called the Phantom of Finance, as an important trigger of the crisis, has attracted worldwide attention and become the target. In recent years, China's shadow banking has seen explosive growth, which not only improves the social financing efficiency to make up for the lack of financial market development, but also brings financial risks and challenges to regulatory and monetary policies. Standardizing the development of shadow banking for the development of economic and financial development in China has become a common concern of the academic and practical circles. Shadow banking in developed countries is far superior to our shadow banking in financial innovation, product complexity, leverage ratio and so on. However, shadow banking in China expands rapidly, is closely related to traditional banks, and has a high systemic risk. This paper is based on the full study of the development of shadow banking in developed countries in the post-crisis era, and compares the nature and characteristics of shadow banking in China, which is of great significance to reflect on the financial crisis, guard against systemic risks, and explore financial innovation. Based on the dialectical treatment of the advantages and disadvantages of shadow banking in developed countries, this paper gives full consideration to the stages and particularities of the development of our country's financial system, and puts forward some policy suggestions on how to perfect the supervision mechanism of shadow banking in China and to guide the healthy development of shadow banking.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F831.2
本文编号：2422768
[Abstract]:The subprime mortgage crisis broke out in the United States in 2007, which gradually swept over the major markets such as the European Union and Japan, and finally triggered a global financial tsunami. The shadow bank, called the Phantom of Finance, as an important trigger of the crisis, has attracted worldwide attention and become the target. In recent years, China's shadow banking has seen explosive growth, which not only improves the social financing efficiency to make up for the lack of financial market development, but also brings financial risks and challenges to regulatory and monetary policies. Standardizing the development of shadow banking for the development of economic and financial development in China has become a common concern of the academic and practical circles. Shadow banking in developed countries is far superior to our shadow banking in financial innovation, product complexity, leverage ratio and so on. However, shadow banking in China expands rapidly, is closely related to traditional banks, and has a high systemic risk. This paper is based on the full study of the development of shadow banking in developed countries in the post-crisis era, and compares the nature and characteristics of shadow banking in China, which is of great significance to reflect on the financial crisis, guard against systemic risks, and explore financial innovation. Based on the dialectical treatment of the advantages and disadvantages of shadow banking in developed countries, this paper gives full consideration to the stages and particularities of the development of our country's financial system, and puts forward some policy suggestions on how to perfect the supervision mechanism of shadow banking in China and to guide the healthy development of shadow banking.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F831.2
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