中国影子银行的功能与风险研究

发布时间：2018-04-20 22:02

本文选题：中国影子银行 + 金融功能　；参考：《上海社会科学院》2014年硕士论文

【摘要】：正是美国对于影子银行的监管缺失与放任自流造成了次贷危机的爆发。中国影子银行虽然不具有美国的高度衍生性与高杠杆,但是以其快速增长的趋势正在成为研究的热点。当前针对中国影子银行定义的研究众说纷纭,本文认为从审慎监管的角度出发,应当将所有没有受到监管或有监管规避行为的信贷中介机构都划分进影子银行范畴。本文意图从金融功能角度出发,对中国影子银行发挥的实际功能与风险进行论述,并针对风险提出监管建议。第一章,绪论。首先对论文的研究背景做以交代；其次是描述了论文的研究目的及意义；再次简要的描述了文章的主要内容；最后总结了本文的创新点与不足。第二章,文献综述。本章主要包括两部分内容。第一部分是国内外学者对影子银行的论述。国外部分学者研究对象主要为美国影子银行,国内学者研究对象主要为中国影子银行。第二部分是金融功能观理论综述。第三章,发达国家影子银行特点与启示。首先对比美、欧、日对影子银行定义；其次论述了美国影子银行的先高涨、后衰落、又复苏的发展历程；再次分析了美国影子银行推动的金融结构变革与风险；最后借鉴美国经验,认为中国应当构建全面的监管框架。第四章,中国影子银行体系的发展现状。本章给出了中国影子银行的大致范围,并针对每一类机构进行现状与发展历程的描述。同时,还对中国影子银行产生的原因进行了说明。主要有：信贷收紧、中小企业融资难、银行监管负担重等原因。第五章,中国影子银行体系的功能与作用。本章首先依照白钦先的功能四层次对中国影子银行做出了功能论述。其次对影子银行在中小企业融资中发挥的作用与出现的问题进行了论述。最后对影子银行促进商业银行创新方面的作用进行论述。第六章,中国影子银行体系风险揭示及监管。本章根据影子银行可能产生的系统性风险与区域性风险进行分析。得出“短期之内系统性风险不大,但区域性风险值得关注”的结论。并提出“以监代管”、“让影子银行阳光化”的监管建议。
[Abstract]:It is the lack of supervision and laissez-faire of the shadow banking in the United States that led to the outbreak of the subprime mortgage crisis. Although Chinese shadow banks are not highly derivative and highly leveraged in the United States, their rapid growth trend is becoming a hot research topic. There are different opinions on the definition of shadow banking in China. This paper holds that from the perspective of prudential supervision, all credit intermediaries that are not regulated or circumvent should be classified into the category of shadow banking. From the angle of financial function, this paper discusses the actual function and risk of shadow banking in China, and puts forward some suggestions for supervision of risk. Chapter one, introduction. Firstly, the background of the paper is explained; secondly, the purpose and significance of the paper are described; then, the main contents of the paper are briefly described; finally, the innovation and shortcomings of this paper are summarized. Chapter two, literature review. This chapter mainly includes two parts. The first part is the domestic and foreign scholars on shadow banking. Some foreign scholars are mainly studying American shadow banking, while domestic scholars are mainly studying Chinese shadow banking. The second part is a review of the theory of financial function. Chapter three, the characteristics and enlightenment of shadow banking in developed countries. Firstly, it compares the definition of shadow banking in America, Europe and Japan; secondly, it discusses the development course of American shadow banking in which it rises first, then declines, and recovers again, and then analyzes the changes and risks of the financial structure promoted by American shadow banking. Finally, draw lessons from the experience of the United States, think that China should build a comprehensive regulatory framework. Chapter IV, the development of China's shadow banking system. This chapter gives the general scope of shadow banking in China, and describes the current situation and development of each kind of institutions. At the same time, it also explains the causes of shadow banking in China. There are mainly: credit tightening, small and medium-sized enterprises financing difficulties, the heavy burden of banking supervision and other reasons. Chapter five, the function and function of China's shadow banking system. This chapter firstly discusses the function of Chinese shadow bank according to Bai Qinxian's four levels of function. Secondly, it discusses the role and problems of shadow banking in SME financing. Finally, the role of shadow banking to promote the innovation of commercial banks is discussed. The sixth chapter, the Chinese shadow banking system risk disclosure and supervision. This chapter analyzes the possible systemic risk and regional risk of shadow banking. The conclusion is that the systemic risk is small in the short term, but the regional risk is worthy of attention. And put forward to "custody", "let the shadow bank sunshine" regulatory recommendations.
【学位授予单位】：上海社会科学院
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.39

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