本文選題：影子銀行 + 溫州金融改革��； 參考：《中共江蘇省委黨校》2013年碩士論文

【摘要】：近年來(lái)，全球影子銀行體系規(guī)模迅速膨脹，引起了全球金融監(jiān)管的高度關(guān)注。在美國(guó)，影子銀行主要指游離于傳統(tǒng)商業(yè)銀行體系以外，不受或少受監(jiān)管層監(jiān)管的類(lèi)銀行體系信用中介活動(dòng)，主要包括投資銀行、對(duì)沖基金、私募股權(quán)基金、金融衍生品等實(shí)體機(jī)構(gòu)及產(chǎn)品。影子銀行的膨脹給全球金融監(jiān)管帶來(lái)了新的挑戰(zhàn)，美國(guó)于2010年頒布了《多德—弗蘭克法》，旨在加強(qiáng)對(duì)影子銀行的監(jiān)管。 我國(guó)由于金融發(fā)展程度和利率管制等原因，影子銀行機(jī)構(gòu)和業(yè)務(wù)與美國(guó)相比形式較為簡(jiǎn)單，，并且大部分都處于監(jiān)管層的監(jiān)管之下，但其迅速膨脹的規(guī)模也引起了各界的關(guān)注。IMF2012年發(fā)布的《全球穩(wěn)定報(bào)告》提出，中國(guó)監(jiān)管層應(yīng)當(dāng)警惕影子銀行體系把風(fēng)險(xiǎn)轉(zhuǎn)嫁給銀行。日前，國(guó)際三大評(píng)級(jí)機(jī)構(gòu)之一惠譽(yù)將中國(guó)長(zhǎng)期本幣信用由“AA-”下調(diào)至“A+”，其原因之一就是認(rèn)為這幾年中國(guó)影子銀行融資發(fā)展過(guò)快。本文通過(guò)對(duì)經(jīng)濟(jì)及金融發(fā)達(dá)的江浙滬地區(qū)影子銀行的研究，并借鑒全球金融監(jiān)管改革和影子銀行治理的經(jīng)驗(yàn)，提出現(xiàn)階段對(duì)影子銀行系統(tǒng)不應(yīng)單單堵截，而應(yīng)當(dāng)在加強(qiáng)監(jiān)管中規(guī)范發(fā)展。本文認(rèn)為，江浙滬地區(qū)可以以溫州金改試驗(yàn)區(qū)的實(shí)踐為范本，打破金融壟斷，科學(xué)引導(dǎo)民間金融的發(fā)展，具體的政策建議包括鼓勵(lì)影子銀行體系發(fā)展與推進(jìn)我國(guó)利率市場(chǎng)化進(jìn)程并舉、推進(jìn)我國(guó)金融深化、鼓勵(lì)金融體系的適度創(chuàng)新、構(gòu)建宏觀審慎框架，加強(qiáng)信息披露、防范金融系統(tǒng)性風(fēng)險(xiǎn)等。
[Abstract]:In recent years, the scale of the global shadow banking system has expanded rapidly, which has attracted the attention of the global financial regulation. In the United States, shadow banking mainly refers to credit intermediation activities in the banking system that are outside the traditional commercial banking system and are not or less regulated by regulators. They mainly include investment banks, hedge funds, and private equity funds. Financial derivatives and other entities and products. The expansion of shadow banking poses a new challenge to global financial regulation, and the United States enacted the Dodd-Frank Act in 2010 to strengthen the regulation of shadow banks. Because of the degree of financial development and interest rate control, shadow banking institutions and businesses in China are relatively simple compared with the United States, and most of them are under the supervision of the regulatory level. But its rapidly expanding size has also drawn attention. The IMF 2012 Global Stability report suggests that China's regulators should be wary of the shadow banking system passing on risk to banks. One of the reasons Fitch, one of the world's top three rating agencies, downgraded China's long-term local currency credit to "A" from "AA-" in the past few years is that it believes that shadow banking in China has grown too fast in recent years. Based on the study of shadow banking in Jiangsu, Zhejiang and Shanghai regions with developed economy and finance, and the experience of global financial supervision reform and shadow banking governance, this paper points out that the shadow banking system should not be blocked at this stage. It should be standardized in strengthening supervision and control. This paper holds that Jiangsu, Zhejiang and Shanghai can break the financial monopoly and scientifically guide the development of private finance by taking the practice of Wenzhou gold reform experimental area as a model. The specific policy recommendations include encouraging the shadow banking system to develop as well as promoting the marketization of interest rates in China, promoting financial deepening, encouraging moderate innovation in the financial system, building a macro-prudential framework, and strengthening information disclosure. To guard against systemic financial risks and so on.
【學(xué)位授予單位】：中共江蘇省委黨校
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類(lèi)號(hào)】：F832.7

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