本文選題：影子銀行　切入點：金融創(chuàng)新　出處：《西南政法大學》2014年碩士論文　論文類型：學位論文

【摘要】：影子銀行的無限擴張是催生2008年全球金融海嘯的最根本誘因。在全新的金融體系格局下，加強對影子銀行體系的宏觀監(jiān)管成為各國監(jiān)管改革的關注重點。我國影子銀行無論在規(guī)模、內容、風險上都與國際影子銀行存在較大差距，具有顯著的“中國特色”。長期對金融領域實行嚴格的行政管制直接導致我國影子銀行的產生和膨脹。影子銀行作為正規(guī)銀行系統(tǒng)的重要補充，能夠有效滿足主體多層次、多元化的金融需求，在推進中國實體經濟發(fā)展方面發(fā)揮著功不可沒的作用，但現有金融體制和監(jiān)管框架嚴重滯后于金融創(chuàng)新，成為投機者進行監(jiān)管套利的主要工具，嚴重阻礙了我國金融領域的長足發(fā)展。因此，必須要對我國傳統(tǒng)金融體制進行改革，承認并維護影子銀行的重要地位，在堅守不發(fā)生系統(tǒng)金融風險的基礎上逐步放開對金融創(chuàng)新的管制，充分發(fā)揮影子銀行的積極作用，保障金融市場的穩(wěn)定發(fā)展。本文以影子銀行法律監(jiān)管為主題，以影子銀行為主線，沿著“一般理論—具體分析—對策建議”的研究思路展開論述，具有顯著的現實意義。 本文通過影子銀行的概念、基本特點以及對中國經濟的影響做了詳細的界定和敘述，明確了影子銀行的主體范圍和本質特征，進而在對比域外國際組織和發(fā)達國家金融監(jiān)管體制改革的相關內容和規(guī)定后，結合我國現行影子銀行監(jiān)管法律制度的實際問題，有取舍的借鑒國外先進監(jiān)管經驗，有針對性地提出了具體完善措施，希望能促進我國影子銀行規(guī)范化發(fā)展，刺激金融市場的良性競爭，緊跟金融監(jiān)管改革的國際潮流。 全文共分為四個章節(jié)： 引言，這部分主要介紹了本文的選題來源和選題意義，總體框架和研究方法，并梳理歸納了國內外學者就影子銀行問題所做的研究成果。 第一章是關于影子銀行的概述，，主要闡述了影子銀行的定義、基本特征以及影子銀行對我國經濟的正負影響。首先結合國內外學者的不同研究視角和概念研究，對影子銀行的定義進行詳細的辨析，同時概括了影子銀行基本特征，揭示影子銀行的本質，最后分析了影子銀行對中國經濟的積極影響和消極影響，肯定影子銀行存在的合理性以及必要性，認為應該要鼓勵影子銀行發(fā)展的同時，要防范其造成的風險。 第二章主要是對美國、英國、歐盟以及國際組織應對金融危機的監(jiān)管改革進行總結、分析和比較，總結了外國先進的監(jiān)管模式和監(jiān)管經驗和啟示，確立了國際監(jiān)管改革的未來趨勢，這為我國日后金融監(jiān)管體制的改革提供了有力的參考。 第三章主要是探討我國的監(jiān)管現狀及面臨的主要困境。首先對中國式影子銀行的現存樣態(tài)進行深入剖析，分析我國金融監(jiān)管體制的不足之處，為完善影子銀行的監(jiān)管打下堅實的基礎。 第四章是完善對策。首先，要改變我國行政管制過多的傳統(tǒng)監(jiān)管理念，實現功能性的監(jiān)管模式的變遷，其次，要樹立適度監(jiān)管和審慎監(jiān)管的基本原則，實現金融監(jiān)管的合法化和合理化。再次，健全相關金融立法，重視保護金融消費者，提升風險管理能力。最后，推動全球金融合作，全方位的控制、監(jiān)測金融風險。
[Abstract]:The unlimited expansion of the shadow banking is the most fundamental cause of the birth of the 2008 global financial tsunami. In the new pattern of financial system, strengthen macro regulation of the shadow banking system has become the focus of national regulatory reform. China's shadow banking content in terms of scale, risk and international shadow banking has a large gap, with significant "China characteristics". The long-term strict administrative control of the financial sector directly led to China's shadow banking and shadow banking expansion. As an important supplement to the formal banking system, can effectively meet the main multi-level, diversified financial demand, play a role in promoting unceased Chinese economic development entities, but the framework of the existing financial system and regulatory lag in financial innovation, become a major tool for regulatory arbitrage speculators, a serious impediment to China's financial field The rapid development. Therefore, must carry on the reform of China's traditional financial system, recognize and maintain the important position of shadow banking, while sticking to the system of financial risk does not occur on the gradual liberalization of financial innovation regulation, give full play to the positive role of shadow banking, security and stable development of the financial market. Based on the shadow banking the legal supervision as the theme, with the shadow banking as the main line, along the "general theory of concrete analysis - countermeasures and suggestions" discussed, has significant practical significance.
Through the concept of shadow banking, the basic characteristics and influence on the economic China defines in detail, clear the scope of the main body of the shadow banking and the essential characteristics, and in contrast the extraterritorial related content of international organizations and developed countries financial supervision system reform and regulation, combined with the practical problems of China's current shadow banking supervision law the system, choosing to learn from foreign advanced experience, puts forward specific improvement measures, hope to promote China's shadow banking standardization development, stimulate the benign competition of the financial market, followed by the financial regulatory reform of the international trend.
The full text is divided into four chapters.
Foreword, this part mainly introduces the source and significance of the topic selection, the general framework and research methods, and summarizes the research achievements of domestic and foreign scholars on the shadow banking problem.
The first chapter is an overview on the shadow banking, mainly expounds the definition of shadow banking, shadow banking and the basic characteristics of positive and negative impacts on China's economy. Firstly, according to the different research perspective and the concept of scholars at home and abroad, a detailed analysis of the definition of shadow banking, and summarizes the basic characteristics of the shadow banking, revealing the essence of shadow the bank, finally analyzes the positive influence on the economic China shadow banking and the negative effect of affirming the existence of shadow banking rationality and necessity, that should encourage the development of shadow banking at the same time, to prevent the risk.
The second chapter is mainly on the United States, Britain, the European Union and international organizations to address the financial crisis for regulatory reform are summarized, analyzed and compared, summed up the foreign advanced supervision mode and experience and enlightenment, and established the future trend of international regulatory reform, this is our country after the reform of financial supervision system provides a good reference.
The third chapter mainly discusses the current situation and main difficulties of China's supervision. First, it analyzes the existing forms of Chinese shadow banking, analyzes the shortcomings of China's financial regulatory system, and lays a solid foundation for improving the supervision of shadow banking.
The fourth chapter is countermeasures. First of all, to change China's administrative control over the traditional concept of supervision of the implementation of changes, functional supervision mode secondly, basic principles to establish appropriate supervision and prudential supervision, realize the legalization and rationalization of financial supervision. Thirdly, improve relevant financial legislation, pay attention to the protection of financial consumers and enhance the risk management ability. Finally, the promotion of global financial cooperation, the full range of control, monitoring of financial risks.

【學位授予單位】：西南政法大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：D922.281

【參考文獻】

相關期刊論文 前10條

1 吳云峰;;后危機時代我國金融創(chuàng)新監(jiān)管的法律因應之道——以美國次貸危機為視點[J];北方法學;2011年04期

2 陸曉明;;次貸危機挑戰(zhàn)美國銀行業(yè)風險管理系統(tǒng)[J];銀行家;2008年04期

3 周衛(wèi)江;;影子銀行的發(fā)展及其監(jiān)管[J];財經理論與實踐;2012年03期

4 應寅鋒;;金融穩(wěn)定視角下的政府職能及行為研究[J];財貿經濟;2009年07期

5 袁達松;;金融危機的成因及法律對策[J];法學雜志;2009年07期

6 鄧綱;;金融消費者保護體制及其相關問題[J];法學雜志;2012年05期

7 張洪濤;段小茜;;金融穩(wěn)定有關問題研究綜述[J];國際金融研究;2006年05期

8 鐘紅;;國際貨幣體系改革方向與中國的對策研究[J];國際金融研究;2006年10期

9 葛奇;;次貸危機的成因、影響及對金融監(jiān)管的啟示[J];國際金融研究;2008年11期

10 朱民;;改變未來的金融危機[J];國際金融研究;2009年05期

本文編號：1650046