發(fā)布時(shí)間：2018-03-22 19:26

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

【摘要】：影子銀行的無(wú)限擴(kuò)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(qiáng)對(duì)影子銀行體系的宏觀監(jiān)管成為各國(guó)監(jiān)管改革的關(guān)注重點(diǎn)。我國(guó)影子銀行無(wú)論在規(guī)模、內(nèi)容、風(fēng)險(xiǎn)上都與國(guó)際影子銀行存在較大差距，具有顯著的“中國(guó)特色”。長(zhǎng)期對(duì)金融領(lǐng)域?qū)嵭袊?yán)格的行政管制直接導(dǎo)致我國(guó)影子銀行的產(chǎn)生和膨脹。影子銀行作為正規(guī)銀行系統(tǒng)的重要補(bǔ)充，能夠有效滿足主體多層次、多元化的金融需求，在推進(jìn)中國(guó)實(shí)體經(jīng)濟(jì)發(fā)展方面發(fā)揮著功不可沒(méi)的作用，但現(xiàn)有金融體制和監(jiān)管框架嚴(yán)重滯后于金融創(chuàng)新，成為投機(jī)者進(jìn)行監(jiān)管套利的主要工具，嚴(yán)重阻礙了我國(guó)金融領(lǐng)域的長(zhǎng)足發(fā)展。因此，必須要對(duì)我國(guó)傳統(tǒng)金融體制進(jìn)行改革，承認(rèn)并維護(hù)影子銀行的重要地位，在堅(jiān)守不發(fā)生系統(tǒng)金融風(fēng)險(xiǎn)的基礎(chǔ)上逐步放開(kāi)對(duì)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(chǎng)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(duì)策建議”的研究思路展開(kāi)論述，具有顯著的現(xiàn)實(shí)意義。 本文通過(guò)影子銀行的概念、基本特點(diǎn)以及對(duì)中國(guó)經(jīng)濟(jì)的影響做了詳細(xì)的界定和敘述，明確了影子銀行的主體范圍和本質(zhì)特征，進(jìn)而在對(duì)比域外國(guó)際組織和發(fā)達(dá)國(guó)家金融監(jiān)管體制改革的相關(guān)內(nèi)容和規(guī)定后，結(jié)合我國(guó)現(xiàn)行影子銀行監(jiān)管法律制度的實(shí)際問(wèn)題，有取舍的借鑒國(guó)外先進(jìn)監(jiān)管經(jīng)驗(yàn)，有針對(duì)性地提出了具體完善措施，希望能促進(jìn)我國(guó)影子銀行規(guī)范化發(fā)展，刺激金融市場(chǎng)的良性競(jìng)爭(zhēng)，緊跟金融監(jiān)管改革的國(guó)際潮流。 全文共分為四個(gè)章節(jié)： 引言，這部分主要介紹了本文的選題來(lái)源和選題意義，總體框架和研究方法，并梳理歸納了國(guó)內(nèi)外學(xué)者就影子銀行問(wèn)題所做的研究成果。 第一章是關(guān)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(duì)我國(guó)經(jīng)濟(jì)的正負(fù)影響。首先結(jié)合國(guó)內(nèi)外學(xué)者的不同研究視角和概念研究，對(duì)影子銀行的定義進(jìn)行詳細(xì)的辨析，同時(shí)概括了影子銀行基本特征，揭示影子銀行的本質(zhì)，最后分析了影子銀行對(duì)中國(guó)經(jīng)濟(jì)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(rèn)為應(yīng)該要鼓勵(lì)影子銀行發(fā)展的同時(shí)，要防范其造成的風(fēng)險(xiǎn)。 第二章主要是對(duì)美國(guó)、英國(guó)、歐盟以及國(guó)際組織應(yīng)對(duì)金融危機(jī)的監(jiān)管改革進(jìn)行總結(jié)、分析和比較，總結(jié)了外國(guó)先進(jìn)的監(jiān)管模式和監(jiān)管經(jīng)驗(yàn)和啟示，確立了國(guó)際監(jiān)管改革的未來(lái)趨勢(shì)，這為我國(guó)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(guó)的監(jiān)管現(xiàn)狀及面臨的主要困境。首先對(duì)中國(guó)式影子銀行的現(xiàn)存樣態(tài)進(jìn)行深入剖析，分析我國(guó)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(jiān)實(shí)的基礎(chǔ)。 第四章是完善對(duì)策。首先，要改變我國(guó)行政管制過(guò)多的傳統(tǒng)監(jiān)管理念，實(shí)現(xiàn)功能性的監(jiān)管模式的變遷，其次，要樹(shù)立適度監(jiān)管和審慎監(jiān)管的基本原則，實(shí)現(xiàn)金融監(jiān)管的合法化和合理化。再次，健全相關(guān)金融立法，重視保護(hù)金融消費(fèi)者，提升風(fēng)險(xiǎn)管理能力。最后，推動(dòng)全球金融合作，全方位的控制、監(jiān)測(cè)金融風(fēng)險(xiǎn)。
[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(xué)位授予單位】：西南政法大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：D922.281

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本文編號(hào)：1650046