后金融危机时代下对我国影子银行监管研究

发布时间：2018-05-18 06:59

本文选题：影子银行 + 监管　；参考：《吉林财经大学》2014年硕士论文

【摘要】：2007年美国次贷危机的爆发，给美国乃至全球的经济带来了巨大的重创。作为行使着银行部分职能、游离在监管范围之外的影子银行,被指出在这次金融危机中起到了推波助澜的作用，因此影子银行引起了学界的高度关注。本文是基于对影子银行的起源、发展以及世界主要经济体对其监管的发展趋势,从影子银行监管的理论出发,探讨影子银行体系在经济发展中的作用,针对金融危机爆发前后各国对影子银行的监管措施,总结和借鉴发达国家影子银行监管经验,结合当前我国影子银行监管面临的监管法律体系不够健全、缺乏监管的独立性、对影子银行风险计量不科学、金融监管落后与金融创新以及对民间借贷、地下钱庄等影子银行监管的缺失等现实问题,对我国影子银行的监管提出了有效的对策和建议，如健全我国影子银行监管的法律体系、加强信息披露制度、完善影子银行风险的监测制度、对金融创新进行有效监管以及加强国际间影子银行监管的合作等。首先，在引言中介绍了文章的选题背景和选题意义，并简要的阐述了国内外学者对相关领域的一些重要研究成果和本文的研究思路以及创新点。其次,论文从影子银行相关概念、理论出发,阐述影子银行体系起源、发展过程、特点以及其对经济的多方面影响。随后将世界各国金融危机爆发前后对影子银行监管模式进行对比，以美、英、日三国对影子银行的监管为例，提出各国监管过程中存在的问题以及共同点。在此基础上，对我国的影子银行进行简要概述，，并对其发展现状进行了分析，发现我国影子银行在发展过程中同样存在诸多问题。最后结合我国影子银行监管的现状，对我国影子银行的监管提出了几点建议与意见，以寻求一条适合中国国情的影子银行监管道路，为后金融危机时代我国经济的健康、稳定发展奠定良好的基础。
[Abstract]:The outbreak of the American subprime crisis in 2007 has brought great heavy damage to the economy of the United States and the world. As a part of the bank, the shadow bank, which is part of the function of the bank, has been pointed out in this financial crisis. Therefore, the shadow banking has aroused great concern in the academic circles. The origin, development of the shadow banking and the development trend of the world's major economies to its supervision, from the theory of shadow banking supervision, discuss the role of the shadow banking system in the economic development. In view of the supervision measures of the shadow banking before and after the outbreak of the financial crisis, the experience of the shadow banking supervision in the developed countries is summarized and used for reference. At present, the regulatory legal system facing the shadow banking supervision in China is not perfect, the independence of supervision, the unscientific measurement of the shadow bank risk, the backwardness of the financial supervision and the financial innovation, the lack of shadow banking supervision, such as the private lending and the underground banks, and so on, have put forward the effective countermeasures for the supervision of the shadow banking in our country. And suggestions, such as improving the legal system of China's shadow banking supervision, strengthening the information disclosure system, improving the monitoring system of the shadow banking risk, supervising the financial innovation effectively and strengthening the cooperation between the international shadow banking supervision and so on.
First, in the introduction, it introduces the background and significance of the article, and briefly expounds some important research results of the domestic and foreign scholars on the related fields and the research ideas and innovation points in this paper. Secondly, the thesis starts with the related concepts and theories of shadow banking, and expounds the origin, development process, characteristics and the characteristics of the shadow banking system. After the comparison of the shadow banking supervision model before and after the outbreak of the financial crisis in the world, the supervision of the shadow banks in the United States, Britain and Japan is taken as an example to put forward the problems and common points in the supervision process of various countries. On this basis, a brief overview of the shadow banks in China is made and the status of its development is also given. Through the analysis, it is found that there are many problems in the development process of the shadow banking in China. Finally, some suggestions and suggestions are put forward to the shadow banking supervision of our country in order to seek a road of shadow banking supervision which is suitable for the situation of China, in order to provide the health of our country's economy in the post financial crisis, in the light of the present situation of the shadow banking supervision in China. Stable development lays a good foundation.
【学位授予单位】：吉林财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.3

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