【摘要】：新一輪不良貸款的快速增長與影子銀行是中國金融穩(wěn)定性風(fēng)險的兩個側(cè)面,具體表現(xiàn)為中國金融體系中存在著的五個嚴(yán)重問題:被監(jiān)管部門的不良貸款行為;松散的管理;由無流動資金擔(dān)保的短期債權(quán)所支配的影子銀行體系;在影子部門明顯缺乏透明性;影子部門與被監(jiān)管部門之間極高的互聯(lián)性。提高金融穩(wěn)定性必須通過一場金融監(jiān)管大變革,以緩解當(dāng)前金融分業(yè)監(jiān)管方式帶來的困境。而引入一個具有約束力的全方位的杠桿比率,保證銀行持有更大份額的資本緩沖,是提高銀行適應(yīng)能力、降低不良貸款,并對抗銀行與影子部門關(guān)聯(lián)性的強(qiáng)有力的制度改進(jìn)措施。
[Abstract]:The rapid growth of the new round of non-performing loans and shadow banking are two sides of the risk of China's financial stability, which are manifested in five serious problems in China's financial system: the non-performing loan behavior of the regulatory authorities, the loose management; A shadow banking system dominated by short-term debt without liquidity; a clear lack of transparency in the shadow sector; a high degree of connectivity between the shadow sector and the regulators. To improve financial stability, we must adopt a great reform of financial supervision to alleviate the predicament brought about by the current mode of separate financial supervision. The introduction of a binding all-dimensional leverage ratio to ensure that banks hold a larger share of capital buffers is to improve the adaptability of banks and reduce non-performing loans. And against the banks and the shadow sector of the strong institutional improvement measures.
【作者單位】： 上海交通大學(xué)凱原法學(xué)院;愛丁堡大學(xué)法學(xué)院;
【分類號】：D922.28
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本文編號：2119454