本文選題：影子銀行　切入點(diǎn)：銀信理財(cái)合作　出處：《廣東財(cái)經(jīng)大學(xué)》2013年碩士論文　論文類(lèi)型：學(xué)位論文

【摘要】：次貸危機(jī)將“影子銀行”這一概念帶進(jìn)了公眾視野，它對(duì)于美國(guó)而言，既造就了美國(guó)經(jīng)濟(jì)的繁榮，卻最終也是造成次貸危機(jī)發(fā)生的一個(gè)關(guān)鍵因素。它的重要存在性使得它成為各國(guó)政府在穩(wěn)定金融體系與發(fā)展經(jīng)濟(jì)時(shí)無(wú)法回避的一個(gè)區(qū)域。 受次貸危機(jī)的影響，我國(guó)實(shí)施了積極型的財(cái)政政策與寬松型的貨幣政策。在這一背景下，銀行信貸規(guī)模擴(kuò)大，流動(dòng)性充足，投資需求旺盛，卻造成了CPI的偏高，隨著經(jīng)濟(jì)態(tài)勢(shì)的好轉(zhuǎn)，貨幣政策逐步回歸常態(tài)，使得商業(yè)銀行面臨著巨大的攬存壓力，并且嚴(yán)格的存貸比規(guī)模監(jiān)管，也大大束縛了商業(yè)銀行的貸款能力，壓縮了其利潤(rùn)空間。因而影子銀行成為融資困難的中小企業(yè)解決資金難題的一個(gè)重要途徑，這一客觀事實(shí)讓中國(guó)的影子銀行迅速發(fā)展，而商業(yè)銀行體系內(nèi)影子銀行是我國(guó)影子銀行的主要組成部分，本文以商業(yè)銀行體系內(nèi)影子銀行的運(yùn)行模式為主，著重分析運(yùn)行模式中存在的問(wèn)題、成因及其影響，結(jié)合我國(guó)的客觀現(xiàn)實(shí)，提出進(jìn)一步規(guī)范商業(yè)銀行體系內(nèi)影子銀行運(yùn)行模式的措施，使得影子銀行充分發(fā)揮其有利效應(yīng)，，成為商業(yè)銀行的完美補(bǔ)充，促進(jìn)我國(guó)金融市場(chǎng)、經(jīng)濟(jì)的更好發(fā)展。
[Abstract]:The subprime crisis has brought the concept of "shadow banking" into the public eye, and for the United States, it has contributed to the prosperity of the American economy. But it is also a key factor that causes the subprime mortgage crisis. Its important existence makes it a region that governments can not avoid in stabilizing the financial system and developing the economy. Under the influence of the subprime mortgage crisis, China has implemented the active fiscal policy and the loose monetary policy. Under this background, the bank credit scale is expanded, the liquidity is sufficient, the investment demand is exuberant, but the CPI is on the high side. With the improvement of the economic situation and the gradual return of monetary policy to normal, commercial banks are faced with enormous pressure to collect deposits, and the strict supervision of the scale of deposit to loan ratio greatly constrains the loan ability of commercial banks. Thus, shadow banking has become an important way for small and medium-sized enterprises with financing difficulties to solve their financial difficulties. This objective fact has enabled the rapid development of shadow banks in China. The shadow bank in the commercial bank system is the main component of the shadow bank in our country. This paper mainly focuses on the operation mode of the shadow bank in the commercial bank system, focusing on the problems, causes and effects in the operation mode. Combined with the objective reality of our country, this paper puts forward some measures to further standardize the operation mode of shadow bank in the commercial banking system, so that the shadow bank can give full play to its beneficial effect, become the perfect supplement of the commercial bank, and promote the financial market of our country. Better economic development.
【學(xué)位授予單位】：廣東財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類(lèi)號(hào)】：F832.3

【參考文獻(xiàn)】

相關(guān)期刊論文 前6條

1 文維虎;陳榮;;重視影子銀行動(dòng)向 避免風(fēng)險(xiǎn)隱患顯現(xiàn)[J];西南金融;2010年02期

2 劉文雯;高平;;“影子銀行體系”的崩塌對(duì)中國(guó)信托業(yè)發(fā)展的啟示[J];上海金融;2010年07期

3 杜亞斌;顧海寧;;影子銀行體系與金融危機(jī)[J];審計(jì)與經(jīng)濟(jì)研究;2010年01期

4 袁利勇;;影子銀行體系與金融危機(jī)[J];銅陵學(xué)院學(xué)報(bào);2009年06期

5 巴曙松;;加強(qiáng)對(duì)影子銀行系統(tǒng)的監(jiān)管[J];中國(guó)金融;2009年14期

6 邵延進(jìn);;影子銀行資金流向圖譜及風(fēng)險(xiǎn)——以河北省為例[J];中國(guó)金融;2011年18期

本文編號(hào)：1619216