我国影子银行体系对银行体系稳定性影响研究

发布时间：2018-03-14 20:54

本文选题：影子银行　切入点：银信合作　出处：《暨南大学》2013年硕士论文　论文类型：学位论文

【摘要】：影子银行在我国尚且处于发展初期阶段，其杠杆化、证券化程度较低，在我国主要表现为银信合作、委托贷款、信托贷款、民间借贷等。随着我国影子银行规模的不断壮大和近年来不断爆发的理财产品风波和民间借贷乱象，影子银行被推上风口浪尖，银监会高管在2011年年度会议指明影子银行、政府融资平台风险、房地产信贷风险是2012年银行业面临的三大风险，所以完全有必要研究其规模对银行业体系稳定性的影响。本文基于我国的现实情况，分析具有中国特色的我国影子银行的相关情况，重点考察其规模对我国银行体系稳定性的影响，通过实证研究得出两者之间不是简单的促进或阻碍关系，存在着阈值。所以在对待影子银行的问题上应该辩证看待，不能放任自由，也不能一味限制和禁止，而是要正确引导其规范化、阳光化，努力使其能促进银行体系的稳定和国民积极的发展。
[Abstract]:Shadow banking in China is still in the early stage of development, its leverage, securitization degree is relatively low, in our country, mainly for the cooperation of bank, trust loans, trust loans, Private lending and so on. With the growing scale of shadow banks in our country and the turmoil in financial management products and private lending that have broken out in recent years, shadow banks have been pushed to the top of the wave. Executives of the Banking Regulatory Commission pointed out the shadow banks at their annual meeting on 2011. Government financing platform risk and real estate credit risk are the three major risks faced by the banking industry in 2012, so it is absolutely necessary to study the impact of the scale on the stability of the banking system. Based on the reality of our country, this paper analyzes the relevant situation of shadow banking in China with Chinese characteristics, and focuses on the impact of its scale on the stability of China's banking system. The empirical study shows that the relationship between them is not a simple promotion or hindrance, and there is a threshold. Therefore, we should treat the shadow bank dialectically, not allow freedom, nor blindly restrict and prohibit it. Instead, we should correctly guide its standardization and sunshine, and strive to promote the stability of the banking system and the positive development of the people.
【学位授予单位】：暨南大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.3

【参考文献】