【摘要】：2007年美國爆發(fā)了次貸危機，逐步席卷歐盟和日本等主要市場，最終引發(fā)了一場全球性的金融海嘯，被稱為金融魅影的“影子銀行”作為危機爆發(fā)的重要導(dǎo)火索引起了全球的廣泛關(guān)注，成為眾矢之的。近年來，，我國影子銀行出現(xiàn)爆發(fā)式增長，在提高社會融資效率彌補金融市場發(fā)展不足的同時，也帶來了金融風險及對監(jiān)管政策和貨幣政策的挑戰(zhàn)，規(guī)范發(fā)展影子銀行為我國經(jīng)濟金融發(fā)展所用，成為學術(shù)界和實務(wù)界共同關(guān)注的課題。發(fā)達國家影子銀行在金融創(chuàng)新、產(chǎn)品復(fù)雜程度、杠桿率等方面遠遠超過我國影子銀行，但是我國影子銀行規(guī)模擴張迅速、與傳統(tǒng)銀行關(guān)聯(lián)緊密、系統(tǒng)性風險較高。本文立足于充分研究后危機時代發(fā)達國家影子銀行的發(fā)展，對比我國影子銀行的本質(zhì)和特點，對于反思金融危機、防范系統(tǒng)性風險、探討金融創(chuàng)新具有重要意義。在辯證看待發(fā)達國家影子銀行利弊的基礎(chǔ)上，充分考慮當前我國金融體系發(fā)展的階段性和特殊性，提出完善我國影子銀行的監(jiān)管機制，引導(dǎo)影子銀行規(guī)范健康發(fā)展的政策建議。
[Abstract]:The subprime mortgage crisis broke out in the United States in 2007, which gradually swept over the major markets such as the European Union and Japan, and finally triggered a global financial tsunami. The shadow bank, called the Phantom of Finance, as an important trigger of the crisis, has attracted worldwide attention and become the target. In recent years, China's shadow banking has seen explosive growth, which not only improves the social financing efficiency to make up for the lack of financial market development, but also brings financial risks and challenges to regulatory and monetary policies. Standardizing the development of shadow banking for the development of economic and financial development in China has become a common concern of the academic and practical circles. Shadow banking in developed countries is far superior to our shadow banking in financial innovation, product complexity, leverage ratio and so on. However, shadow banking in China expands rapidly, is closely related to traditional banks, and has a high systemic risk. This paper is based on the full study of the development of shadow banking in developed countries in the post-crisis era, and compares the nature and characteristics of shadow banking in China, which is of great significance to reflect on the financial crisis, guard against systemic risks, and explore financial innovation. Based on the dialectical treatment of the advantages and disadvantages of shadow banking in developed countries, this paper gives full consideration to the stages and particularities of the development of our country's financial system, and puts forward some policy suggestions on how to perfect the supervision mechanism of shadow banking in China and to guide the healthy development of shadow banking.
【學位授予單位】：吉林大學
【學位級別】：碩士
【學位授予年份】：2015
【分類號】：F831.2

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