發(fā)布時間：2018-07-08 11:52

  本文選題：金融 + 影子銀行��； 參考：《華中科技大學(xué)》2013年碩士論文

【摘要】：2008年一場世界金融危機，將影子銀行展現(xiàn)到了人們的視角之下，各國都開始了對影子銀行的關(guān)注和研究。2011年我國溫州地區(qū)發(fā)生民間借貸危機，之后又發(fā)生多起銀行理財產(chǎn)品和信托業(yè)務(wù)出現(xiàn)無法兌付的危機，至此我國影子銀行走到了風(fēng)口浪尖上，學(xué)術(shù)界、政府部門對其引發(fā)了激烈的爭辯。 本文就在這個大背景之下，借鑒當(dāng)前國內(nèi)外對影子銀行的研究基礎(chǔ)上，首先探討了影子銀行在我國的存在性問題，發(fā)現(xiàn)我國影子銀行確實是存在的，但與國外影子銀行有較大的區(qū)別。接著據(jù)此對我國影子銀行進行了界定，描述了我國影子銀行在當(dāng)前的發(fā)展，，并介紹了我國典型的影子銀行業(yè)務(wù)。此外還提供了兩種估算我國影子銀行規(guī)模的方法，從定量的角度對我國影子銀行的發(fā)展進行佐證。 然后在論述影子銀行在我國當(dāng)前的發(fā)展現(xiàn)狀的基礎(chǔ)上，探討了其給我國帶來的挑戰(zhàn)和機遇。主要機遇是增加實體經(jīng)濟融資渠道，彌補資金缺口，促進經(jīng)濟增長；緩解信貸市場信息不對稱問題，鼓勵金融創(chuàng)新，激活金融市場，提高金融市場流動性，加快金融市場市場化進程。主要挑戰(zhàn)是影子銀行隱含具有高的風(fēng)險性，給監(jiān)管和防范帶來了較大的挑戰(zhàn)，同時它還能對沖貨幣政策的有效性，給宏觀調(diào)控帶來挑戰(zhàn)，另外它還能威脅實體經(jīng)濟的發(fā)展，給我國經(jīng)濟轉(zhuǎn)型帶來挑戰(zhàn)。 最后論文研究我國有哪些相應(yīng)的措施來應(yīng)對這些機遇和挑戰(zhàn)，以期為規(guī)范我國影子銀行體系、靈活應(yīng)用影子銀行體系提供些許建議。
[Abstract]:In 2008, a world financial crisis brought shadow banking to people's perspective, and various countries began to pay attention to and study shadow banking. In 2011, there was a private lending crisis in Wenzhou, China. After that, there are many crises that can not be paid in banking financial products and trust business. So far, the shadow banking in our country has been on the cusp of the wind, and the academic circles and government departments have aroused fierce debate on it. Based on this background and the current research on shadow banking at home and abroad, this paper first discusses the existence of shadow banking in China, and finds that shadow banking does exist in China. But there is a big difference with foreign shadow banks. Then it defines the shadow banking in China, describes the development of the shadow banking in China, and introduces the typical shadow banking business in China. In addition, two methods of estimating the size of shadow banks in China are provided to prove the development of shadow banks in China from a quantitative point of view. Then, on the basis of discussing the present development situation of shadow banking in our country, this paper discusses the challenges and opportunities it brings to our country. The main opportunities are to increase the channels of financing for the real economy, to fill the financing gap, to promote economic growth, to alleviate the problem of asymmetric information in the credit market, to encourage financial innovation, to activate the financial market, and to enhance the liquidity of the financial market. We will speed up the process of financial marketization. The main challenge is that shadow banking has a high risk, which brings a great challenge to supervision and prevention. At the same time, it can also hedge the effectiveness of monetary policy, bring challenges to macro-control, and threaten the development of the real economy. It brings challenges to the economic transformation of our country. Finally, this paper studies the corresponding measures to deal with these opportunities and challenges in order to provide some suggestions for the regulation of shadow banking system and the flexible application of shadow banking system in China.
【學(xué)位授予單位】：華中科技大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.3

【參考文獻】

相關(guān)期刊論文 前10條

1 易憲容;;美國次貸危機的信用擴張過度的金融分析[J];國際金融研究;2009年12期

2 劉希;;影子銀行文獻綜述[J];經(jīng)營管理者;2012年18期

3 胡雪琴;;從風(fēng)險視角探討影子銀行及其中國化現(xiàn)狀[J];金融管理與研究;2011年09期

4 賀軍;;對“影子銀行”也要一分為二[J];金融管理與研究;2011年11期

5 閆超;趙毓芙;;影子銀行體系與金融監(jiān)管改革[J];衡水學(xué)院學(xué)報;2010年05期

6 李東衛(wèi);;關(guān)于影子銀行系統(tǒng)監(jiān)管的幾點思考[J];金融會計;2011年04期

7 周莉萍;;影子銀行體系的信用創(chuàng)造:機制、效應(yīng)和應(yīng)對思路[J];金融評論;2011年04期

8 李波;伍戈;;影子銀行的信用創(chuàng)造功能及其對貨幣政策的挑戰(zhàn)[J];金融研究;2011年12期

9 巴曙松;;金融危機下的全球金融監(jiān)管走向及展望[J];西南金融;2009年10期

10 文維虎;陳榮;;重視影子銀行動向 避免風(fēng)險隱患顯現(xiàn)[J];西南金融;2010年02期

本文編號：2107339