發(fā)布時(shí)間：2018-11-07 16:02

【摘要】：影子銀行體系,起源于全球金融最發(fā)達(dá)的美國(guó),因其釀就2008年金融危機(jī)而廣為人知。影子銀行體系在此次國(guó)際金融危機(jī)產(chǎn)生、發(fā)展演變過程中扮演了重要角色。影子銀行能夠引發(fā)系統(tǒng)性的金融風(fēng)險(xiǎn),因此對(duì)影子銀行的監(jiān)管在金融危機(jī)后受到各國(guó)監(jiān)管部門的高度重視。雖然我國(guó)影子銀行無(wú)論是構(gòu)成還是運(yùn)作方式特別是風(fēng)險(xiǎn)表現(xiàn)形式和程度與美國(guó)影子銀行都有較大差別,并且不像美國(guó)影子銀行那樣成為導(dǎo)致金融危機(jī)的主要原因,但是當(dāng)前我國(guó)影子銀行的不規(guī)范和無(wú)序運(yùn)作,開始對(duì)我國(guó)的金融健康運(yùn)行構(gòu)成威脅,潛在的系統(tǒng)性風(fēng)險(xiǎn)開始出現(xiàn)。所以,應(yīng)盡早規(guī)范我國(guó)影子銀行的運(yùn)行規(guī)則,完善相關(guān)法律制度,促進(jìn)影子銀行有序運(yùn)行。本文在借鑒美國(guó)金融改革監(jiān)管經(jīng)驗(yàn)的基礎(chǔ)上,結(jié)合中國(guó)金融發(fā)展和監(jiān)管的實(shí)際情況,有針對(duì)性地提出完善我國(guó)影子銀行體系風(fēng)險(xiǎn)監(jiān)管的對(duì)策,使其在金融體系中發(fā)揮積極的融資作用,更好的為中國(guó)金融發(fā)展做出貢獻(xiàn)。 文章共分為五個(gè)章節(jié)： 第一章介紹了本文的選題背景和選題意義,并簡(jiǎn)要的闡述了國(guó)內(nèi)外學(xué)者對(duì)相關(guān)領(lǐng)域的一些重要研究成果和本文的研究思路,以及本文的創(chuàng)新及不足之處。 第二章主要對(duì)影子銀行的基礎(chǔ)理論進(jìn)行了概述。首先結(jié)合國(guó)內(nèi)外學(xué)者的研究給影子銀行一個(gè)明確的定義,然后詳細(xì)地分析和闡述了影子銀行的特點(diǎn),分析了傳統(tǒng)商業(yè)銀行與影子銀行之間的區(qū)別。 第三章詳細(xì)地介紹了我國(guó)影子銀行的發(fā)展歷程和發(fā)展現(xiàn)狀,同時(shí)分析了我國(guó)目前影子銀行的構(gòu)成情況,總結(jié)了我國(guó)影子銀行興起和快速發(fā)展的原因。從正反兩個(gè)方面分析了影子銀行對(duì)我國(guó)經(jīng)濟(jì)的影響。考擦我國(guó)對(duì)影子銀行監(jiān)管的現(xiàn)狀,總結(jié)出監(jiān)管中存在的問題。 第四章主要介紹了美國(guó)影子銀行體系的構(gòu)成、運(yùn)行機(jī)制,重點(diǎn)分析了美國(guó)在金融危機(jī)前后對(duì)影子銀行監(jiān)管的措施以及政策的改革。將我國(guó)的影子銀行與美國(guó)影子銀行進(jìn)行比較分析,得出我國(guó)影子銀行在其構(gòu)成以及運(yùn)行機(jī)制、風(fēng)險(xiǎn)傳遞、資產(chǎn)證券化的程度等方面存在著很大的區(qū)別。由于影子銀行在美國(guó)發(fā)展最為成熟,美國(guó)對(duì)影子銀行的監(jiān)管政策對(duì)我國(guó)肯定具有借鑒意義。但是考慮到我國(guó)的現(xiàn)狀,有必要結(jié)合我國(guó)的情況采取更有針對(duì)性的監(jiān)管措施,旨在完善我國(guó)對(duì)影子銀行的監(jiān)管。 第五章是在以上研究和分析的基礎(chǔ)上,提出完善我國(guó)影子銀行監(jiān)管的政策建議。首先要完善影子銀行的監(jiān)管立法、加強(qiáng)對(duì)金融創(chuàng)新的監(jiān)管；其次要建立影子銀行和商業(yè)銀行之間的風(fēng)險(xiǎn)隔離機(jī)制、防止風(fēng)險(xiǎn)傳遞,加強(qiáng)影子銀行的信息披露要求；最后要積極推進(jìn)利率市場(chǎng)化改革。
[Abstract]:The shadow banking system, which originated in America, the world's most financially developed country, is well known for the 2008 financial crisis. Shadow banking system has played an important role in the emergence and evolution of the international financial crisis. Shadow banking can lead to systemic financial risk, so the supervision of shadow banking has been attached great importance by the regulatory authorities in various countries after the financial crisis. Although our country's shadow banking is different from the United States' shadow banking in terms of its composition or operation, especially the form and degree of risk expression, it is not the main cause of the financial crisis like the United States' shadow banking. However, the non-standard and disorderly operation of shadow banking in our country is threatening the healthy operation of our country's finance, and the potential systemic risk begins to appear. Therefore, we should standardize the operation rules of shadow banks as soon as possible, perfect the relevant legal system, and promote the orderly operation of shadow banks. Based on the experience of American financial reform and supervision and the actual situation of China's financial development and supervision, this paper puts forward some countermeasures to improve the risk supervision of China's shadow banking system. Make it play an active financing role in the financial system, and better contribute to the financial development of China. The article is divided into five chapters: the first chapter introduces the background and significance of the topic, and briefly describes the domestic and foreign scholars on the relevant areas of some important research results and this research ideas. And the innovation and deficiency of this paper. The second chapter summarizes the basic theory of shadow banking. This paper first gives a clear definition of shadow banking combined with the research of scholars at home and abroad, then analyzes and expounds the characteristics of shadow banking in detail, and analyzes the differences between traditional commercial banks and shadow banks. The third chapter introduces the development history and present situation of shadow banking in China, and analyzes the composition of shadow banking in China, and summarizes the reasons for the rise and rapid development of shadow banking in China. This paper analyzes the influence of shadow banking on China's economy from two aspects: positive and negative. This paper examines the present situation of shadow banking supervision in China, and summarizes the existing problems in supervision. The fourth chapter mainly introduces the composition and operation mechanism of the shadow banking system in the United States, focusing on the analysis of the regulatory measures and policy reform of the shadow banking in the United States before and after the financial crisis. By comparing the shadow banks in China with those in the United States, it is concluded that there are great differences in the composition and operation mechanism, risk transmission, and the degree of asset securitization in China's shadow banks. As shadow banking is the most mature in the United States, the regulatory policy of shadow banking in the United States will certainly have reference significance for our country. However, considering the present situation of our country, it is necessary to take more targeted supervision measures according to the situation of our country, in order to perfect the supervision of shadow banking in our country. On the basis of the above research and analysis, the fifth chapter puts forward some policy suggestions to improve the supervision of shadow banking in China. Firstly, we should perfect the supervision legislation of shadow bank, strengthen the supervision of financial innovation, establish the risk isolation mechanism between shadow bank and commercial bank, prevent risk transmission, and strengthen the information disclosure requirement of shadow bank. Finally, we should actively promote the reform of marketization of interest rates.
【學(xué)位授予單位】：東北財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.1

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