中国影子银行风险管控研究

发布时间：2018-06-12 15:46

本文选题：影子银行 + 风险管控体系　；参考：《天津财经大学》2014年硕士论文

【摘要】：金融危机后,影子银行开始进入学者们的视野,西方发达国家也采取了有效的措施管控风险。最近几年,我国影子银行的规模越来越大,形式越来越多样。一方面,影子银行作为金融创新的产物,在一定程度上推动了我国实体经济的发展；另一方面,影子银行的内部控制和外部监管比较薄弱,风险较高,影响了我国货币政策的有效性和金融市场的稳定性。如何实现金融创新和金融稳定二者的平衡?这一问题摆在了理论工作者和实务工作者的面前,关于影子银行风险管控的研究具有深刻的理论意义和实践意义。论文在归纳分析国内外文献的基础上,采用历史分析和比较分析相结合的方法,分析国内外影子银行的概念、运作机制和功能影响。在定性分析和定量分析的基础上,对我国的影子银行进行分类,进而分析各类影子银行的发展现状及其风险表现形式,并且探讨影子银行的总体风险和具体风险产生的原因,借鉴西方发达国家对影子银行的管控措施,从以下几个方面提出了构建我国影子银行风险管控体系的设想。具体来讲,从影子银行自身的角度,需要完善内部控制,提高风险管理能力；从外部监管者的角度,需要建立功能监管模式和不完全统一监管体制,完善影子银行信息披露制度；从金融消费者的角度,应当保护消费者利益；从金融基础设施的角度,应当建立健全法律法规体系,建设社会信用体系,完善会计审计制度。最后提出我国影子银行风险管控的具体策略,包括以下几个方面,识别、评估影子银行体系的风险,宏观审慎管控系统性风险,实行动态比例监管,将影子银行“银行化”。
[Abstract]:After the financial crisis, shadow banking began to enter the field of view of scholars, Western developed countries also took effective measures to control risks. In recent years, the scale of shadow banks in China is becoming larger and larger, and the forms are more and more diverse. On the one hand, shadow banking, as the product of financial innovation, to some extent promotes the development of our real economy; on the other hand, the internal control and external supervision of shadow banking are relatively weak and the risks are high. It affects the effectiveness of monetary policy and the stability of financial market. How to achieve the balance between financial innovation and financial stability? This problem has been put in front of the theorists and practitioners. The research on shadow banking risk control has profound theoretical and practical significance. On the basis of summing up and analyzing domestic and foreign literature, this paper analyzes the concept, operation mechanism and function influence of shadow banking at home and abroad by combining historical analysis with comparative analysis. On the basis of qualitative analysis and quantitative analysis, this paper classifies the shadow banks in China, then analyzes the present situation of the development of various kinds of shadow banks and their forms of risk expression, and probes into the overall risks and the causes of the specific risks of the shadow banks. Based on the control measures of shadow banking in western developed countries, this paper puts forward the idea of constructing the risk control system of shadow banking in China from the following aspects. Specifically, from the perspective of the shadow bank itself, it is necessary to improve internal control and improve risk management ability; from the perspective of external regulators, it is necessary to establish a functional supervision model and an incomplete unified regulatory system. From the perspective of financial consumers, we should protect the interests of consumers; from the perspective of financial infrastructure, we should establish and improve the system of laws and regulations, build a social credit system, and perfect the accounting and auditing system. Finally, the specific strategies of shadow banking risk control in China are put forward, including the following aspects: identifying and evaluating the risks in the shadow banking system, managing systemic risks in macroprudential ways, implementing dynamic proportional supervision, and making shadow banking ".
【学位授予单位】：天津财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.3

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