云南影子银行监管问题研究
发布时间：2019-06-22 18:28
【摘要】：自从2007年保罗·麦卡利(Paul McCulley)先提出影子银行的概念,并在2008年金融危机中被认为是重要的推动因素以来,国内外学者也是对影子银行的定义众说纷纭。随着影子银行系统在全球金融市场中大行其道,中国式影子银行迅速膨胀,逐渐引起各国学者和监管层的广泛关注。影子银行又称影子银行体系(The Shadow Banking System),是指那些行使着银行功能却不受监管或少受监管的非银行金融机构及其工具和产品。本文通过对近几年国内外研究成果的总结,重点结合影子银行业务在中国的发展实际和国务院“第107号文”,对中国式影子银行的定义、运行机制和组成形式进行了梳理;并通过大量实证数据和图表展示了近年来中国式影子银行业务的发展。同时由于影子银行系统的日益壮大使其在金融系统中的地位不断提高,相应地,影子银行系统对商业银行和货币政策等方面也表现出日益强大的影响力,其对金融系统的发展既有积极作用又有消极作用。虽然影子银行系统容易积聚系统性风险,并给金融市场带来不稳定因素,但考虑到影子银行系统在调节流动性、增强盈利性、完善信用中介供给、满足投融资者的需求等方面的积极作用,本文认为我们仍然应理性看待这一现象,正确的引导影子银行发展,合理处理金融创新与金融监管的关系,循序渐进的推进金融产品创新。建立以“规范化”为主的有效的影子银行监管体系对策,完善影子银行内控机制,并建立影子银行与商业银行之间的防火墙,来防范和规避风险。同时加强信息披露制度,建立覆盖影子银行的法律法规,以促进金融业向服务业全面转型。
[Abstract]:Since Paul Mccully (Paul McCulley) first put forward the concept of shadow banking in 2007 and was considered an important driving factor in the 2008 financial crisis, scholars at home and abroad have different views on the definition of shadow banking. With the popularity of the shadow banking system in the global financial markets, the rapid expansion of Chinese shadow banking has gradually attracted the attention of scholars and regulators from all over the world. Shadow banking, also known as shadow banking system (The Shadow Banking System), refers to non-bank financial institutions and their instruments and products that perform banking functions but are not regulated or less regulated. Based on the summary of the research results at home and abroad in recent years, this paper focuses on the development of shadow banking in China and the State Council's Article 107, combs the definition, operation mechanism and composition of Chinese shadow banking, and shows the development of Chinese shadow banking business in recent years through a large number of empirical data and charts. At the same time, due to the increasing growth of the shadow banking system, its position in the financial system continues to improve. Accordingly, the shadow banking system also shows increasingly strong influence on commercial banks and monetary policy, which has both positive and negative effects on the development of the financial system. Although the shadow banking system is easy to accumulate systemic risks and bring instability to the financial market, considering the positive role of the shadow banking system in regulating liquidity, enhancing profitability, perfecting the supply of credit intermediaries, and meeting the needs of investors, this paper holds that we should still look at this phenomenon rationally, correctly guide the development of shadow banking, and reasonably deal with the relationship between financial innovation and financial supervision. Step by step to promote the innovation of financial products. To establish an effective shadow banking supervision system based on "standardization", improve the internal control mechanism of shadow banking, and establish a firewall between shadow banking and commercial banks to prevent and avoid risks. At the same time, we should strengthen the information disclosure system and establish laws and regulations covering shadow banking in order to promote the comprehensive transformation of the financial industry to the service industry.
【学位授予单位】：云南财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.3
本文编号：2504847
[Abstract]:Since Paul Mccully (Paul McCulley) first put forward the concept of shadow banking in 2007 and was considered an important driving factor in the 2008 financial crisis, scholars at home and abroad have different views on the definition of shadow banking. With the popularity of the shadow banking system in the global financial markets, the rapid expansion of Chinese shadow banking has gradually attracted the attention of scholars and regulators from all over the world. Shadow banking, also known as shadow banking system (The Shadow Banking System), refers to non-bank financial institutions and their instruments and products that perform banking functions but are not regulated or less regulated. Based on the summary of the research results at home and abroad in recent years, this paper focuses on the development of shadow banking in China and the State Council's Article 107, combs the definition, operation mechanism and composition of Chinese shadow banking, and shows the development of Chinese shadow banking business in recent years through a large number of empirical data and charts. At the same time, due to the increasing growth of the shadow banking system, its position in the financial system continues to improve. Accordingly, the shadow banking system also shows increasingly strong influence on commercial banks and monetary policy, which has both positive and negative effects on the development of the financial system. Although the shadow banking system is easy to accumulate systemic risks and bring instability to the financial market, considering the positive role of the shadow banking system in regulating liquidity, enhancing profitability, perfecting the supply of credit intermediaries, and meeting the needs of investors, this paper holds that we should still look at this phenomenon rationally, correctly guide the development of shadow banking, and reasonably deal with the relationship between financial innovation and financial supervision. Step by step to promote the innovation of financial products. To establish an effective shadow banking supervision system based on "standardization", improve the internal control mechanism of shadow banking, and establish a firewall between shadow banking and commercial banks to prevent and avoid risks. At the same time, we should strengthen the information disclosure system and establish laws and regulations covering shadow banking in order to promote the comprehensive transformation of the financial industry to the service industry.
【学位授予单位】：云南财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.3
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