本文選題：影子銀行 + 監(jiān)管　； 參考：《河南大學(xué)》2013年碩士論文

【摘要】：由美國(guó)次貸所引致的全球金融危機(jī)至今已持續(xù)近五年時(shí)間，全球經(jīng)濟(jì)為此已付出巨大代價(jià)，然而這場(chǎng)危機(jī)所帶來(lái)的經(jīng)濟(jì)社會(huì)效應(yīng)和深遠(yuǎn)影響尚未完全顯現(xiàn)，全球經(jīng)濟(jì)環(huán)境復(fù)雜多變，不穩(wěn)定、不確定性因素增多，前景尚不明朗。人們?cè)诓粩囿@訝、恐慌、憤怒和質(zhì)疑之時(shí)，也在不斷反思、研究與分析金融危機(jī)的方方面面，完善與改革經(jīng)濟(jì)金融領(lǐng)域的缺陷，維護(hù)金融體系穩(wěn)定。在此過(guò)程中，一個(gè)新的金融術(shù)語(yǔ)——影子銀行體系逐漸凸顯出來(lái)，，引起國(guó)際社會(huì)的巨大關(guān)注，一時(shí)成為金融研究領(lǐng)域的新焦點(diǎn)。 這個(gè)體系伴隨20世紀(jì)六七十年代以來(lái)的金融自由化產(chǎn)生、發(fā)展與膨脹起來(lái)，成為現(xiàn)在金融體系的重要組成部分，深刻改變了金融體系結(jié)構(gòu)，直接關(guān)系著整個(gè)金融體系的穩(wěn)定與發(fā)展。在發(fā)達(dá)經(jīng)濟(jì)體，影子銀行體系不僅融資規(guī)模龐大，20世紀(jì)末就超過(guò)了傳統(tǒng)銀行體系，結(jié)構(gòu)復(fù)雜，高度關(guān)聯(lián)，單獨(dú)或共同組成信用鏈條形式銀行的主要職能，而且形式多樣、變化多端，杠桿率高、運(yùn)作隱蔽且大都游離于貨幣當(dāng)局和監(jiān)管當(dāng)局視野之外。 本文主要運(yùn)用經(jīng)濟(jì)學(xué)、金融學(xué)、統(tǒng)計(jì)學(xué)等學(xué)科知識(shí)，采用理論分析與實(shí)證分析相結(jié)合的研究方法，融合文獻(xiàn)研究、定量與定性研究、歷史分析和比較研究等方法，遵循提出問(wèn)題、分析問(wèn)題、解決問(wèn)題的研究思路展開(kāi)分析。首先，論文概括性的提出本文的研究背景、目的與意義，介紹本文的研究方法和研究?jī)?nèi)容�；仡櫯c梳理影子銀行體系相關(guān)文獻(xiàn)，分別從概念界定、主要特征和發(fā)展歷程，與此次金融危機(jī)的關(guān)系和監(jiān)管方法以及對(duì)中國(guó)的研究總結(jié)歸納了國(guó)內(nèi)外研究成果，并評(píng)述了研究現(xiàn)狀。第二，在吸收、借鑒相關(guān)文獻(xiàn)，依次厘清有關(guān)基本概念的基礎(chǔ)上，界定了影子銀行體系的定義、構(gòu)成，結(jié)合國(guó)際影子銀行體系的運(yùn)作過(guò)程，從一般意義上深入分析了其主要功能。第三，以此次金融危機(jī)為背景，研究了國(guó)際影子銀行體系的潛在脆弱性，從順周期性、期限錯(cuò)配、金融創(chuàng)新、杠桿、關(guān)聯(lián)性、監(jiān)管套利及金融安全角度剖析其作用機(jī)制與可能產(chǎn)生的后果。第四，結(jié)合中國(guó)影子銀行當(dāng)前現(xiàn)狀進(jìn)行分析。具體針對(duì)中意影子銀行體系的構(gòu)成和現(xiàn)狀、中國(guó)影子銀行體系的主要功能、中國(guó)影子銀行體系的風(fēng)險(xiǎn)走勢(shì)進(jìn)行了分析，與此同時(shí)，本文引入筆者曾參與過(guò)的一個(gè)我國(guó)中小企業(yè)融資項(xiàng)目，對(duì)該企業(yè)進(jìn)行了深入的調(diào)研取證，并從微觀視角分析了中國(guó)影子銀行在中小企業(yè)融資過(guò)程中的功能。最后，本文對(duì)中國(guó)影子銀行體系監(jiān)管改革提出了政策建議。分別介紹了FSB、美英歐日影子銀行體系監(jiān)管改革的主要內(nèi)容，通過(guò)比較異同點(diǎn)，總結(jié)探討了影子銀行體系國(guó)際監(jiān)管改革的思路、構(gòu)架與主要趨勢(shì)，分析了中國(guó)影子銀行監(jiān)管的相撞與突出問(wèn)題，借鑒國(guó)際經(jīng)驗(yàn)和實(shí)施，提出了相應(yīng)政策建議并梳理總結(jié)出了本文的主要觀點(diǎn)和研究結(jié)論。
[Abstract]:The global financial crisis caused by the subprime mortgage of the United States has lasted for nearly five years, and the global economy has paid a great price for this. However, the economic and social effects and far-reaching effects of the crisis have not yet been fully revealed. The global economic environment is complex, volatile, uncertain and uncertain. When people are constantly surprised, panicked, angry and questioned, they are also constantly reflecting, studying and analyzing all aspects of the financial crisis, perfecting and reforming the defects in the field of economic and financial affairs, and maintaining the stability of the financial system. In this process, the shadow banking system, a new financial term, has become a new focus in the field of financial research. With the emergence, development and expansion of financial liberalization since the 1960s and 1970s, this system has become an important part of the present financial system and has profoundly changed the structure of the financial system. It is directly related to the stability and development of the whole financial system. In developed economies, the shadow banking system not only has a large financing scale and surpassed the traditional banking system at the end of the 20th century, but also has a complex structure and highly relevant structure, and forms the main functions of banks in the form of credit chain alone or together. Varied, highly leveraged, covert and largely out of view of monetary and regulatory authorities. This paper mainly uses the knowledge of economics, finance, statistics and so on, adopts the research method of combining theoretical analysis with empirical analysis, fusing literature research, quantitative and qualitative research, historical analysis and comparative study, etc. Follow the research ideas of problem raising, problem analysis and problem solving. First of all, the research background, purpose and significance of this paper are summarized, and the research methods and contents are introduced. Reviewing and combing the relevant documents of shadow banking system, respectively from the definition of concept, main characteristics and development process, the relationship with the financial crisis and regulatory methods, as well as the research on China summarized the domestic and foreign research results. The present situation of the research is also reviewed. Second, on the basis of absorbing and drawing lessons from relevant literature and clarifying the relevant basic concepts in turn, this paper defines the definition and composition of the shadow banking system, and combines the operation process of the international shadow banking system. Its main function is analyzed in general sense. Third, against the background of the financial crisis, this paper studies the potential vulnerability of the international shadow banking system, from procyclicality, maturities mismatch, financial innovation, leverage, relevance. From the perspective of regulatory arbitrage and financial security, the mechanism and possible consequences are analyzed. Fourth, combined with the current status of shadow banking in China to analyze. In the light of the composition and present situation of the shadow banking system in China and Italy, the main functions of the shadow banking system in China and the risk trend of the shadow banking system in China are analyzed, and at the same time, This paper introduces a financing project of Chinese small and medium-sized enterprises (SMEs) which the author has participated in, and makes a thorough investigation and evidence gathering of the enterprise, and analyzes the function of Chinese shadow banking in the financing process of SMEs from the micro perspective. Finally, this paper puts forward some policy suggestions on the supervision reform of China's shadow banking system. This paper introduces the main contents of the supervision reform of the shadow banking system in FSB, the United States, the United Kingdom, and Japan respectively. By comparing the similarities and differences, it summarizes the ideas, the framework and the main trends of the international supervision reform of the shadow banking system. This paper analyzes the collision and prominent problems of shadow banking supervision in China, draws lessons from international experience and implementation, puts forward corresponding policy suggestions and summarizes the main viewpoints and research conclusions of this paper.
【學(xué)位授予單位】：河南大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類(lèi)號(hào)】：F832.33

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本文編號(hào)：2032069