發(fā)布時(shí)間：2018-01-19 22:30

  本文關(guān)鍵詞： 影子銀行 發(fā)展模式 影響 監(jiān)管對(duì)策　出處：《吉林大學(xué)》2014年碩士論文　論文類(lèi)型：學(xué)位論文

【摘要】：影子銀行是一個(gè)嶄新的名詞，它在2007年被太平洋投資管理公司執(zhí)行董事麥卡利提出，是相對(duì)于傳統(tǒng)商業(yè)銀行的概念。它囊括能夠行使類(lèi)似傳統(tǒng)銀行職能，，提供流動(dòng)性和信用，但不屬于傳統(tǒng)商業(yè)銀行體系的金融中介機(jī)構(gòu)，目前沒(méi)有或者很少被納入監(jiān)管范圍。影子銀行具有高杠桿性、期限錯(cuò)配性、不透明性等特點(diǎn)，具有極高的內(nèi)生脆弱性，在整個(gè)金融體系中蘊(yùn)藏著巨大的系統(tǒng)性風(fēng)險(xiǎn)。影子銀行也成為了引發(fā)次貸危機(jī)的罪魁禍?zhǔn)�。作為一個(gè)剛產(chǎn)生不久的概念，國(guó)內(nèi)外學(xué)術(shù)對(duì)于影子銀行的內(nèi)涵、外延、性質(zhì)及其發(fā)展現(xiàn)狀都尚未有清晰準(zhǔn)確的界定。但由于近年來(lái)影子銀行的迅速膨脹以及對(duì)宏觀經(jīng)濟(jì)的影響從而引起了廣泛的關(guān)注，各國(guó)也開(kāi)始采取各種措施加大對(duì)其的監(jiān)管力度。 不可否認(rèn)的是，我國(guó)也存在著影子銀行體系并且以較快的速度逐漸發(fā)展壯大起來(lái)。雖然我國(guó)影子銀行的特點(diǎn)以及發(fā)展模式與國(guó)外發(fā)達(dá)國(guó)家相比還存在著較大的差異，并且處于初步發(fā)展階段，但我國(guó)影子銀行對(duì)宏觀經(jīng)濟(jì)以及傳統(tǒng)銀行機(jī)構(gòu)的影響已經(jīng)不容小覷，中國(guó)影子銀行的發(fā)展已經(jīng)成為了我們不可回避的一個(gè)問(wèn)題。 全文共分為六個(gè)部分： 第一部分通過(guò)文獻(xiàn)綜述梳理國(guó)內(nèi)外關(guān)于影子銀行的研究基礎(chǔ)，結(jié)合現(xiàn)有理論定義影子銀行的概念以及特點(diǎn)。第二部分主要分析我國(guó)影子銀行發(fā)展的現(xiàn)狀、產(chǎn)生的原因以及影子銀行所具有的一系列特點(diǎn)。第三部分通過(guò)影子銀行體系構(gòu)成的差別、資金來(lái)源和運(yùn)用差異、杠桿性、表外形以及監(jiān)管方面對(duì)中外影子銀行的發(fā)展模式進(jìn)行了具體的對(duì)比，并從機(jī)構(gòu)以及工具兩個(gè)方面對(duì)我國(guó)的影子銀行發(fā)展模式進(jìn)行歸納和總結(jié)。第四部分主要分析了我國(guó)影子銀行的對(duì)宏觀經(jīng)濟(jì)的正反兩方面影響。第五部分通過(guò)分析國(guó)外發(fā)達(dá)國(guó)家對(duì)影子銀行的監(jiān)管現(xiàn)狀總結(jié)出有益的經(jīng)驗(yàn)，并闡述我國(guó)在影子銀行監(jiān)管方面所存在的問(wèn)題，從宏觀和微觀兩個(gè)層次對(duì)構(gòu)建我國(guó)影子銀行的監(jiān)管框架進(jìn)行了設(shè)想。第六部分為本文的結(jié)論部分。
[Abstract]:Shadow banking, a brand new term, was put forward by Mccully, executive director of Pimco, in 2007, as opposed to the traditional commercial bank concept. It includes the ability to perform similar traditional banking functions. Providing liquidity and credit, but not belonging to the traditional commercial banking system of financial intermediaries, has not been brought into the scope of supervision or rarely. Shadow banking has the characteristics of high leverage, maturity mismatch, opacity and so on. With a high endogenous vulnerability, there is a huge systemic risk in the entire financial system. Shadow banking has also become the chief culprit of the subprime mortgage crisis. As a new concept. The connotation and extension of domestic and foreign academic for shadow banking. However, the rapid expansion of shadow banking in recent years and its impact on the macroeconomic have aroused widespread concern. Countries have also begun to take various measures to strengthen their supervision. It is undeniable that. There is also a shadow banking system in China and it has developed gradually at a relatively fast speed, although the characteristics and development patterns of shadow banking in China are still quite different from those of developed countries. But the influence of shadow banking on macro-economy and traditional banking institutions can not be underestimated. The development of shadow banking in China has become an unavoidable problem. The full text is divided into six parts: The first part combs the research basis of shadow banking at home and abroad through literature review and defines the concept and characteristics of shadow banking combined with existing theories. The second part mainly analyzes the current situation of the development of shadow banking in China. The causes and shadow banking has a series of characteristics. The third part of the shadow banking system through the formation of differences, capital sources and use of differences, leverage. The paper compares the development pattern of shadow banking between China and foreign countries in the aspect of form and supervision. In the 4th part, the author mainly analyzes the positive and negative effects of shadow banking on the macro economy. Part 5th, through the analysis of the development model of shadow banking in china, makes a summary of the development mode of shadow banking in china from the two aspects of institutions and tools. Foreign developed countries to the shadow banking regulatory situation summed up the useful experience. It also expounds the problems in the supervision of shadow banking in China, and conceive the regulatory framework of shadow banking in China from the macro and micro levels. Part 6th is the conclusion of this paper.
【學(xué)位授予單位】：吉林大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類(lèi)號(hào)】：F832.1

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