中国影子银行体系风险及防范对策研究

发布时间：2018-01-06 20:01

本文关键词：中国影子银行体系风险及防范对策研究　出处：《湖南大学》2014年硕士论文　论文类型：学位论文

【摘要】：作为社会融资的一个重要途径和银行等金融机构规避监管的创新方式，我国影子银行体系在近年来不断发展壮大。影子银行体系在我国的发展具有合理性和必然性，但随着影子银行业务的迅速扩张，其潜在风险也逐渐显现出来。信托产品出现兑付危机、民间金融市场资金链断裂等问题引起了监管当局和社会公众对中国影子银行体系及其风险的热议。本文首先从国际视角对影子银行体系进行理论概述，接着对中国影子银行体系的范围进行界定并具体分析我国影子银行体系主要组成部分的发展现状。本文认为目前中国影子银行体系发展还处于初级阶段，结构较简单，业务复杂程度不高，本质上仍是信贷和类贷款业务。随后文章对中国影子银行体系的风险进行定性与定量的分析。经过分析，本文认为中国影子银行体系由于类贷款业务的本质，受到标的资产的影响较大。在经济下行时，标的资产价值下降或者融资企业违约，，进而导致影子银行产品的信用风险、流动性风险增大；此外，由于性质定位不明、法律法规不完善，中国影子银行体系还会存在兑付风险、操作风险、声誉风险、法律风险等问题。通过分析各风险大小，认为中国影子银行体系的风险不如美国，宏观经济环境风险和信用风险是目前中国影子银行体系的主要风险，但基本可控。同时对银行理财业务和信托业务的不同类型产品进行风险大小比较，为投资者合理选择产品提供依据，也为机构和监管者提供风险防范和管理的重点。最后本文从外部监管和内部控制两个角度对防范影子银行体系风险提出了几点对策建议。影子银行体系的发展虽然存在风险，但其代表了我国金融发展的趋势。在调节流动性、增强盈利性、促进金融产品多样化、完善信用中介供给、满足投融资者的需求和纠正监管滞后等方面具有积极作用，只要合理做好风险防范措施，通过实施有效地监管，健康地创新，理性地管理运作，就能更好地促进中国金融业的健康发展。
[Abstract]:As an important way of social financing and banks and other financial institutions to avoid regulatory innovation. In recent years, the shadow banking system in China has been developing continuously. The development of shadow banking system in China is reasonable and inevitable, but with the rapid expansion of shadow banking business. The potential risks are also gradually emerging. Trust products appear payment crisis, private financial market capital chain breakage and other issues have caused the regulatory authorities and the public to China's shadow banking system and its risk hot discussion. Firstly, this paper summarizes the shadow banking system from an international perspective. Then the scope of the shadow banking system in China is defined and the development status of the main components of the shadow banking system in China is analyzed in detail. The author thinks that the development of the shadow banking system in China is still in the primary stage. The structure is simple, the business complexity is not high, is still essentially credit and type of loan business. Then the paper analyzes the risks of China's shadow banking system qualitatively and quantitatively. Through the analysis, this paper thinks that the shadow banking system of China is due to the nature of loan business. Affected by the underlying assets. In the economic downturn, the value of the underlying assets or financing enterprises default, thus leading to the shadow banking products credit risk, liquidity risk increased; In addition, due to unclear nature, imperfect laws and regulations, China's shadow banking system will also have payment risk, operational risk, reputation risk, legal risk and so on. The author thinks that the risk of China's shadow banking system is not as good as that of the United States, and the macroeconomic environment risk and credit risk are the main risks of China's shadow banking system at present. At the same time, the risk of different types of products in banking and trust business is compared, which provides the basis for investors to choose products reasonably. It also provides institutions and regulators with a focus on risk prevention and management. Finally, this paper puts forward some countermeasures and suggestions to prevent the shadow banking system from external supervision and internal control. Although there are risks in the development of shadow banking system, it represents the trend of financial development in China. It regulates liquidity, enhances profitability, promotes diversification of financial products, and improves the supply of credit intermediaries. To meet the needs of investors and to correct the delay in supervision and other aspects of the positive role, as long as reasonable risk prevention measures, through the implementation of effective supervision, healthy innovation, rational management and operation. Can better promote the healthy development of China's financial industry.
【学位授予单位】：湖南大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.3

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