影子银行及其监管研究

发布时间：2018-03-13 16:00

本文选题：金融监管　切入点：影子银行　出处：《首都经济贸易大学》2014年硕士论文　论文类型：学位论文

【摘要】：美国次贷危机引起国际金融危机，全球经济遭受重创，在这几年的反思与研究中，影子银行带来的问题日益显现出来，专家学者普遍认为这些问题导致了金融危机爆发和货币政策失效，引起了系统性风险，而对影子银行疏于监管是引发金融危机的根本原因。影子银行体系是某些非银行金融机构及其金融行为的总称，它们有着部分银行功能却较少受到监管。但在中国，关于“影子银行”的概念至今仍存在争议。所以，对影子银行进行界定，分析运行机制及风险是研究的基础，在《巴塞尔协议三》和宏观审慎监管理念的指导下，，对影子银行的监管进行制度安排，并以美国和FSB为例分析其操作框架。对于中国式“影子银行”，从产生发展与风险进行分析，借鉴现有的监管政策，提出政策建议。结合国际金融危机这一时代背景，对影子银行体系进行更为全面的梳理，全面论述国内外影子银行体系的发展及监管现状，立足《巴塞尔协议三》和宏观审慎监管这一银行业监管政策的前沿提出政策建议，有利于对影子银行体系进行进一步的研究。针对中国影子银行的问题，用大量数据与材料对影子银行加以界定并详细论述其风险，并在此基础上提出相关政策建议。
[Abstract]:The subprime mortgage crisis in the United States has caused the international financial crisis, and the global economy has suffered a heavy blow. In the past few years of reflection and research, the problems brought by the shadow banking have become increasingly apparent. Experts and scholars generally believe that these problems led to the outbreak of financial crisis and monetary policy failure, causing systemic risks, and the lack of supervision of shadow banking is the root cause of the financial crisis. The shadow banking system is a generic term for some non-bank financial institutions and their financial practices, which have some banking functions but are less regulated. But in China, the concept of "shadow banking" remains controversial. Under the guidance of Basel III and macro-prudential supervision concept, the shadow banking supervision system is arranged under the guidance of the definition of shadow banking, the analysis of operation mechanism and risk. Taking the United States and FSB as an example, this paper analyzes the operational framework of "shadow banking" in China, analyzes the emergence, development and risk of shadow banking, draws lessons from existing regulatory policies and puts forward policy recommendations. Combined with the background of the international financial crisis, this paper makes a more comprehensive analysis of the shadow banking system, and comprehensively discusses the development and supervision status of the shadow banking system at home and abroad. Based on Basel III and macro-prudential supervision, which is the frontier of banking regulatory policy, policy recommendations are put forward, which is conducive to further study of the shadow banking system. This paper defines shadow banking with a large amount of data and materials, and discusses its risks in detail, and puts forward some relevant policy suggestions on this basis.
【学位授予单位】：首都经济贸易大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.39

【参考文献】