本文關(guān)鍵詞：中國影子銀行體系風(fēng)險及防范對策研究　出處：《湖南大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 影子銀行體系 影子銀行業(yè)務(wù) 風(fēng)險防范

【摘要】：作為社會融資的一個重要途徑和銀行等金融機構(gòu)規(guī)避監(jiān)管的創(chuàng)新方式，我國影子銀行體系在近年來不斷發(fā)展壯大。影子銀行體系在我國的發(fā)展具有合理性和必然性，但隨著影子銀行業(yè)務(wù)的迅速擴張，其潛在風(fēng)險也逐漸顯現(xiàn)出來。信托產(chǎn)品出現(xiàn)兌付危機、民間金融市場資金鏈斷裂等問題引起了監(jiān)管當(dāng)局和社會公眾對中國影子銀行體系及其風(fēng)險的熱議。 本文首先從國際視角對影子銀行體系進行理論概述，接著對中國影子銀行體系的范圍進行界定并具體分析我國影子銀行體系主要組成部分的發(fā)展現(xiàn)狀。本文認(rèn)為目前中國影子銀行體系發(fā)展還處于初級階段，結(jié)構(gòu)較簡單，業(yè)務(wù)復(fù)雜程度不高，本質(zhì)上仍是信貸和類貸款業(yè)務(wù)。 隨后文章對中國影子銀行體系的風(fēng)險進行定性與定量的分析。經(jīng)過分析，本文認(rèn)為中國影子銀行體系由于類貸款業(yè)務(wù)的本質(zhì)，受到標(biāo)的資產(chǎn)的影響較大。在經(jīng)濟下行時，標(biāo)的資產(chǎn)價值下降或者融資企業(yè)違約，，進而導(dǎo)致影子銀行產(chǎn)品的信用風(fēng)險、流動性風(fēng)險增大；此外，由于性質(zhì)定位不明、法律法規(guī)不完善，中國影子銀行體系還會存在兌付風(fēng)險、操作風(fēng)險、聲譽風(fēng)險、法律風(fēng)險等問題。通過分析各風(fēng)險大小，認(rèn)為中國影子銀行體系的風(fēng)險不如美國，宏觀經(jīng)濟環(huán)境風(fēng)險和信用風(fēng)險是目前中國影子銀行體系的主要風(fēng)險，但基本可控。同時對銀行理財業(yè)務(wù)和信托業(yè)務(wù)的不同類型產(chǎn)品進行風(fēng)險大小比較，為投資者合理選擇產(chǎn)品提供依據(jù)，也為機構(gòu)和監(jiān)管者提供風(fēng)險防范和管理的重點。 最后本文從外部監(jiān)管和內(nèi)部控制兩個角度對防范影子銀行體系風(fēng)險提出了幾點對策建議。 影子銀行體系的發(fā)展雖然存在風(fēng)險，但其代表了我國金融發(fā)展的趨勢。在調(diào)節(jié)流動性、增強盈利性、促進金融產(chǎn)品多樣化、完善信用中介供給、滿足投融資者的需求和糾正監(jiān)管滯后等方面具有積極作用，只要合理做好風(fēng)險防范措施，通過實施有效地監(jiān)管，健康地創(chuàng)新，理性地管理運作，就能更好地促進中國金融業(yè)的健康發(fā)展。
[Abstract]:As an important way of social financing and banks and other financial institutions to avoid regulatory innovation. In recent years, the shadow banking system in China has been developing continuously. The development of shadow banking system in China is reasonable and inevitable, but with the rapid expansion of shadow banking business. The potential risks are also gradually emerging. Trust products appear payment crisis, private financial market capital chain breakage and other issues have caused the regulatory authorities and the public to China's shadow banking system and its risk hot discussion. Firstly, this paper summarizes the shadow banking system from an international perspective. Then the scope of the shadow banking system in China is defined and the development status of the main components of the shadow banking system in China is analyzed in detail. The author thinks that the development of the shadow banking system in China is still in the primary stage. The structure is simple, the business complexity is not high, is still essentially credit and type of loan business. Then the paper analyzes the risks of China's shadow banking system qualitatively and quantitatively. Through the analysis, this paper thinks that the shadow banking system of China is due to the nature of loan business. Affected by the underlying assets. In the economic downturn, the value of the underlying assets or financing enterprises default, thus leading to the shadow banking products credit risk, liquidity risk increased; In addition, due to unclear nature, imperfect laws and regulations, China's shadow banking system will also have payment risk, operational risk, reputation risk, legal risk and so on. The author thinks that the risk of China's shadow banking system is not as good as that of the United States, and the macroeconomic environment risk and credit risk are the main risks of China's shadow banking system at present. At the same time, the risk of different types of products in banking and trust business is compared, which provides the basis for investors to choose products reasonably. It also provides institutions and regulators with a focus on risk prevention and management. Finally, this paper puts forward some countermeasures and suggestions to prevent the shadow banking system from external supervision and internal control. Although there are risks in the development of shadow banking system, it represents the trend of financial development in China. It regulates liquidity, enhances profitability, promotes diversification of financial products, and improves the supply of credit intermediaries. To meet the needs of investors and to correct the delay in supervision and other aspects of the positive role, as long as reasonable risk prevention measures, through the implementation of effective supervision, healthy innovation, rational management and operation. Can better promote the healthy development of China's financial industry.
【學(xué)位授予單位】：湖南大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.3

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