我国影子银行发展模式以及监管研究

发布时间：2018-01-19 22:30

本文关键词： 影子银行发展模式影响监管对策　出处：《吉林大学》2014年硕士论文　论文类型：学位论文

【摘要】：影子银行是一个崭新的名词，它在2007年被太平洋投资管理公司执行董事麦卡利提出，是相对于传统商业银行的概念。它囊括能够行使类似传统银行职能，，提供流动性和信用，但不属于传统商业银行体系的金融中介机构，目前没有或者很少被纳入监管范围。影子银行具有高杠杆性、期限错配性、不透明性等特点，具有极高的内生脆弱性，在整个金融体系中蕴藏着巨大的系统性风险。影子银行也成为了引发次贷危机的罪魁祸首。作为一个刚产生不久的概念，国内外学术对于影子银行的内涵、外延、性质及其发展现状都尚未有清晰准确的界定。但由于近年来影子银行的迅速膨胀以及对宏观经济的影响从而引起了广泛的关注，各国也开始采取各种措施加大对其的监管力度。不可否认的是，我国也存在着影子银行体系并且以较快的速度逐渐发展壮大起来。虽然我国影子银行的特点以及发展模式与国外发达国家相比还存在着较大的差异，并且处于初步发展阶段，但我国影子银行对宏观经济以及传统银行机构的影响已经不容小觑，中国影子银行的发展已经成为了我们不可回避的一个问题。全文共分为六个部分：第一部分通过文献综述梳理国内外关于影子银行的研究基础，结合现有理论定义影子银行的概念以及特点。第二部分主要分析我国影子银行发展的现状、产生的原因以及影子银行所具有的一系列特点。第三部分通过影子银行体系构成的差别、资金来源和运用差异、杠杆性、表外形以及监管方面对中外影子银行的发展模式进行了具体的对比，并从机构以及工具两个方面对我国的影子银行发展模式进行归纳和总结。第四部分主要分析了我国影子银行的对宏观经济的正反两方面影响。第五部分通过分析国外发达国家对影子银行的监管现状总结出有益的经验，并阐述我国在影子银行监管方面所存在的问题，从宏观和微观两个层次对构建我国影子银行的监管框架进行了设想。第六部分为本文的结论部分。
[Abstract]:Shadow banking, a brand new term, was put forward by Mccully, executive director of Pimco, in 2007, as opposed to the traditional commercial bank concept. It includes the ability to perform similar traditional banking functions. Providing liquidity and credit, but not belonging to the traditional commercial banking system of financial intermediaries, has not been brought into the scope of supervision or rarely. Shadow banking has the characteristics of high leverage, maturity mismatch, opacity and so on. With a high endogenous vulnerability, there is a huge systemic risk in the entire financial system. Shadow banking has also become the chief culprit of the subprime mortgage crisis. As a new concept. The connotation and extension of domestic and foreign academic for shadow banking. However, the rapid expansion of shadow banking in recent years and its impact on the macroeconomic have aroused widespread concern. Countries have also begun to take various measures to strengthen their supervision. It is undeniable that. There is also a shadow banking system in China and it has developed gradually at a relatively fast speed, although the characteristics and development patterns of shadow banking in China are still quite different from those of developed countries. But the influence of shadow banking on macro-economy and traditional banking institutions can not be underestimated. The development of shadow banking in China has become an unavoidable problem. The full text is divided into six parts: The first part combs the research basis of shadow banking at home and abroad through literature review and defines the concept and characteristics of shadow banking combined with existing theories. The second part mainly analyzes the current situation of the development of shadow banking in China. The causes and shadow banking has a series of characteristics. The third part of the shadow banking system through the formation of differences, capital sources and use of differences, leverage. The paper compares the development pattern of shadow banking between China and foreign countries in the aspect of form and supervision. In the 4th part, the author mainly analyzes the positive and negative effects of shadow banking on the macro economy. Part 5th, through the analysis of the development model of shadow banking in china, makes a summary of the development mode of shadow banking in china from the two aspects of institutions and tools. Foreign developed countries to the shadow banking regulatory situation summed up the useful experience. It also expounds the problems in the supervision of shadow banking in China, and conceive the regulatory framework of shadow banking in China from the macro and micro levels. Part 6th is the conclusion of this paper.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.1

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