本文選題：中國(guó)影子銀行 + 金融功能�。� 參考：《上海社會(huì)科學(xué)院》2014年碩士論文

【摘要】：正是美國(guó)對(duì)于影子銀行的監(jiān)管缺失與放任自流造成了次貸危機(jī)的爆發(fā)。中國(guó)影子銀行雖然不具有美國(guó)的高度衍生性與高杠桿,但是以其快速增長(zhǎng)的趨勢(shì)正在成為研究的熱點(diǎn)。當(dāng)前針對(duì)中國(guó)影子銀行定義的研究眾說(shuō)紛紜,本文認(rèn)為從審慎監(jiān)管的角度出發(fā),應(yīng)當(dāng)將所有沒(méi)有受到監(jiān)管或有監(jiān)管規(guī)避行為的信貸中介機(jī)構(gòu)都劃分進(jìn)影子銀行范疇。本文意圖從金融功能角度出發(fā),對(duì)中國(guó)影子銀行發(fā)揮的實(shí)際功能與風(fēng)險(xiǎn)進(jìn)行論述,并針對(duì)風(fēng)險(xiǎn)提出監(jiān)管建議。 第一章,緒論。首先對(duì)論文的研究背景做以交代；其次是描述了論文的研究目的及意義；再次簡(jiǎn)要的描述了文章的主要內(nèi)容；最后總結(jié)了本文的創(chuàng)新點(diǎn)與不足。 第二章,文獻(xiàn)綜述。本章主要包括兩部分內(nèi)容。第一部分是國(guó)內(nèi)外學(xué)者對(duì)影子銀行的論述。國(guó)外部分學(xué)者研究對(duì)象主要為美國(guó)影子銀行,國(guó)內(nèi)學(xué)者研究對(duì)象主要為中國(guó)影子銀行。第二部分是金融功能觀(guān)理論綜述。 第三章,發(fā)達(dá)國(guó)家影子銀行特點(diǎn)與啟示。首先對(duì)比美、歐、日對(duì)影子銀行定義；其次論述了美國(guó)影子銀行的先高漲、后衰落、又復(fù)蘇的發(fā)展歷程；再次分析了美國(guó)影子銀行推動(dòng)的金融結(jié)構(gòu)變革與風(fēng)險(xiǎn)；最后借鑒美國(guó)經(jīng)驗(yàn),認(rèn)為中國(guó)應(yīng)當(dāng)構(gòu)建全面的監(jiān)管框架。 第四章,中國(guó)影子銀行體系的發(fā)展現(xiàn)狀。本章給出了中國(guó)影子銀行的大致范圍,并針對(duì)每一類(lèi)機(jī)構(gòu)進(jìn)行現(xiàn)狀與發(fā)展歷程的描述。同時(shí),還對(duì)中國(guó)影子銀行產(chǎn)生的原因進(jìn)行了說(shuō)明。主要有：信貸收緊、中小企業(yè)融資難、銀行監(jiān)管負(fù)擔(dān)重等原因。 第五章,中國(guó)影子銀行體系的功能與作用。本章首先依照白欽先的功能四層次對(duì)中國(guó)影子銀行做出了功能論述。其次對(duì)影子銀行在中小企業(yè)融資中發(fā)揮的作用與出現(xiàn)的問(wèn)題進(jìn)行了論述。最后對(duì)影子銀行促進(jìn)商業(yè)銀行創(chuàng)新方面的作用進(jìn)行論述。 第六章,中國(guó)影子銀行體系風(fēng)險(xiǎn)揭示及監(jiān)管。本章根據(jù)影子銀行可能產(chǎn)生的系統(tǒng)性風(fēng)險(xiǎn)與區(qū)域性風(fēng)險(xiǎn)進(jìn)行分析。得出“短期之內(nèi)系統(tǒng)性風(fēng)險(xiǎn)不大,但區(qū)域性風(fēng)險(xiǎn)值得關(guān)注”的結(jié)論。并提出“以監(jiān)代管”、“讓影子銀行陽(yáng)光化”的監(jiān)管建議。
[Abstract]:It is the lack of supervision and laissez-faire of the shadow banking in the United States that led to the outbreak of the subprime mortgage crisis. Although Chinese shadow banks are not highly derivative and highly leveraged in the United States, their rapid growth trend is becoming a hot research topic. There are different opinions on the definition of shadow banking in China. This paper holds that from the perspective of prudential supervision, all credit intermediaries that are not regulated or circumvent should be classified into the category of shadow banking. From the angle of financial function, this paper discusses the actual function and risk of shadow banking in China, and puts forward some suggestions for supervision of risk. Chapter one, introduction. Firstly, the background of the paper is explained; secondly, the purpose and significance of the paper are described; then, the main contents of the paper are briefly described; finally, the innovation and shortcomings of this paper are summarized. Chapter two, literature review. This chapter mainly includes two parts. The first part is the domestic and foreign scholars on shadow banking. Some foreign scholars are mainly studying American shadow banking, while domestic scholars are mainly studying Chinese shadow banking. The second part is a review of the theory of financial function. Chapter three, the characteristics and enlightenment of shadow banking in developed countries. Firstly, it compares the definition of shadow banking in America, Europe and Japan; secondly, it discusses the development course of American shadow banking in which it rises first, then declines, and recovers again, and then analyzes the changes and risks of the financial structure promoted by American shadow banking. Finally, draw lessons from the experience of the United States, think that China should build a comprehensive regulatory framework. Chapter IV, the development of China's shadow banking system. This chapter gives the general scope of shadow banking in China, and describes the current situation and development of each kind of institutions. At the same time, it also explains the causes of shadow banking in China. There are mainly: credit tightening, small and medium-sized enterprises financing difficulties, the heavy burden of banking supervision and other reasons. Chapter five, the function and function of China's shadow banking system. This chapter firstly discusses the function of Chinese shadow bank according to Bai Qinxian's four levels of function. Secondly, it discusses the role and problems of shadow banking in SME financing. Finally, the role of shadow banking to promote the innovation of commercial banks is discussed. The sixth chapter, the Chinese shadow banking system risk disclosure and supervision. This chapter analyzes the possible systemic risk and regional risk of shadow banking. The conclusion is that the systemic risk is small in the short term, but the regional risk is worthy of attention. And put forward to "custody", "let the shadow bank sunshine" regulatory recommendations.
【學(xué)位授予單位】：上海社會(huì)科學(xué)院
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類(lèi)號(hào)】：F832.39

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