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(chǎng)世界金融危機(jī)，將影子銀行展現(xiàn)到了人們的視角之下，各國(guó)都開(kāi)始了對(duì)影子銀行的關(guān)注和研究。2011年我國(guó)溫州地區(qū)發(fā)生民間借貸危機(jī)，之后又發(fā)生多起銀行理財(cái)產(chǎn)品和信托業(yè)務(wù)出現(xiàn)無(wú)法兌付的危機(jī)，至此我國(guó)影子銀行走到了風(fēng)口浪尖上，學(xué)術(shù)界、政府部門(mén)對(duì)其引發(fā)了激烈的爭(zhēng)辯。 本文就在這個(gè)大背景之下，借鑒當(dāng)前國(guó)內(nèi)外對(duì)影子銀行的研究基礎(chǔ)上，首先探討了影子銀行在我國(guó)的存在性問(wèn)題，發(fā)現(xiàn)我國(guó)影子銀行確實(shí)是存在的，但與國(guó)外影子銀行有較大的區(qū)別。接著據(jù)此對(duì)我國(guó)影子銀行進(jìn)行了界定，描述了我國(guó)影子銀行在當(dāng)前的發(fā)展，，并介紹了我國(guó)典型的影子銀行業(yè)務(wù)。此外還提供了兩種估算我國(guó)影子銀行規(guī)模的方法，從定量的角度對(duì)我國(guó)影子銀行的發(fā)展進(jìn)行佐證。 然后在論述影子銀行在我國(guó)當(dāng)前的發(fā)展現(xiàn)狀的基礎(chǔ)上，探討了其給我國(guó)帶來(lái)的挑戰(zhàn)和機(jī)遇。主要機(jī)遇是增加實(shí)體經(jīng)濟(jì)融資渠道，彌補(bǔ)資金缺口，促進(jìn)經(jīng)濟(jì)增長(zhǎng)；緩解信貸市場(chǎng)信息不對(duì)稱(chēng)問(wèn)題，鼓勵(lì)金融創(chuàng)新，激活金融市場(chǎng)，提高金融市場(chǎng)流動(dòng)性，加快金融市場(chǎng)市場(chǎng)化進(jìn)程。主要挑戰(zhàn)是影子銀行隱含具有高的風(fēng)險(xiǎn)性，給監(jiān)管和防范帶來(lái)了較大的挑戰(zhàn)，同時(shí)它還能對(duì)沖貨幣政策的有效性，給宏觀調(diào)控帶來(lái)挑戰(zhàn)，另外它還能威脅實(shí)體經(jīng)濟(jì)的發(fā)展，給我國(guó)經(jīng)濟(jì)轉(zhuǎn)型帶來(lái)挑戰(zhàn)。 最后論文研究我國(guó)有哪些相應(yīng)的措施來(lái)應(yīng)對(duì)這些機(jī)遇和挑戰(zhàn)，以期為規(guī)范我國(guó)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(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類(lèi)號(hào)】：F832.3

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