本文關(guān)鍵詞：我國影子銀行對金融脆弱性的影響研究　出處：《廣西大學》2015年碩士論文　論文類型：學位論文

  更多相關(guān)文章： 影子銀行 金融脆弱性 閥值效應

【摘要】：自2008年國際金融危機以來,影子銀行逐漸得到學術(shù)界和實務界的廣泛關(guān)注。作為一種金融創(chuàng)新,影子銀行在我國也得到迅猛發(fā)展,銀行理財產(chǎn)品、委托貸款、信托產(chǎn)品、民間借貸、P2P網(wǎng)絡(luò)貸款等各種形式的影子銀行產(chǎn)品規(guī)模不斷壯大,成為我國金融體系的重要組成部分。與此同時,影子銀行所蘊藏的風險以及其對金融脆弱性的影響也成為各方關(guān)注的焦點。首先,本文在國內(nèi)外研究和我國影子銀行發(fā)展現(xiàn)狀的基礎(chǔ)上分別分析影子銀行對金融脆弱性影響的一般機理和我國現(xiàn)實狀況,并采用2002—2013年的年度數(shù)據(jù)實證研究分析影子銀行相對規(guī)模(影子銀行規(guī)模/GDP)對金融脆弱性的影響。實證結(jié)果顯示,我國影子銀行的相對規(guī)模與金融脆弱性之間存在閥值效應,當影子銀行的相對規(guī)模小于60.7%時,影子銀行相對規(guī)模擴大能起到降低金融脆弱性和改善金融體系生態(tài)環(huán)境的作用；當影子銀行的相對規(guī)模大于60.7%時,影子銀行相對規(guī)模擴張將加劇金融脆弱性。根據(jù)以上結(jié)論,本文認為對于影子銀行發(fā)展,我們要采取辯證的態(tài)度,要在理性和客觀認識影子銀行的基礎(chǔ)上,最大限度利用其對金融脆弱性的正面作用,建立統(tǒng)一、規(guī)范的影子銀行監(jiān)管體系,并適當鼓勵金融創(chuàng)新,引導影子銀行健康發(fā)展,最大限度降低影子銀行對經(jīng)濟金融體系的負面影響。
[Abstract]:Since the international financial crisis in 2008, shadow banking has gradually received extensive attention from academic and practical circles. As a kind of financial innovation, shadow banking has also developed rapidly in China, banking financial products. Trust loans, trust products, private loans, P2P network loans and other forms of shadow banking products continue to grow in scale, become an important part of our financial system. At the same time. Shadow banking risk and its impact on financial vulnerability has also become the focus of attention. First of all. Based on the research at home and abroad and the present situation of shadow banking in China, this paper analyzes the general mechanism of shadow banking's impact on financial vulnerability and the reality of our country. Using the annual data from 2002 to 2013 to analyze the impact of relative scale of shadow banking (shadow banking scale / GDP) on financial vulnerability. The empirical results show that. There is a threshold effect between the relative scale and financial fragility of shadow banks in China, when the relative scale of shadow banks is less than 60.7. The relative expansion of shadow banking can reduce the financial fragility and improve the ecological environment of the financial system. When the relative scale of shadow bank is greater than 60.7, the relative scale expansion of shadow bank will aggravate the financial fragility. According to the above conclusion, we should take a dialectical attitude to the development of shadow bank. On the basis of rational and objective understanding of shadow banking, we should make maximum use of its positive role in financial fragility, establish a unified and standardized shadow banking supervision system, and encourage financial innovation. To guide the healthy development of shadow banking, to minimize the negative impact of shadow banking on the economic and financial system.
【學位授予單位】：廣西大學
【學位級別】：碩士
【學位授予年份】：2015
【分類號】：F832.3

【參考文獻】

相關(guān)期刊論文 前2條

1 王國松;財政穩(wěn)定與金融脆弱性:理論與中國的實證研究[J];管理世界;2004年07期

2 王增武;;影子銀行體系對我國貨幣供應量的影響——以銀行理財產(chǎn)品市場為例[J];中國金融;2010年23期

，

本文編號：1366371