本文選題：影子銀行 + 金融風險　； 參考：《山西財經(jīng)大學》2014年碩士論文

【摘要】：2008年的全球性金融危機對世界的主要經(jīng)濟體都造成了不同程度的負面影響，至今危機對經(jīng)濟造成的破壞仍沒有被徹底修復(fù)。在危機之后，各界對危機的發(fā)生原因進行廣泛研究并達成了基本一致，認為影子銀行因素是導(dǎo)致此次危機發(fā)生的最主要原因。影子銀行的最大特征在于很少或者幾乎不受金融監(jiān)管，加之自身是以逐利為主，因而其蘊含的風險巨大，在經(jīng)濟全球化的背景下，影子銀行的風險傳播迅速廣泛，，破壞潛力驚人。 歐美發(fā)達國家的影子銀行結(jié)構(gòu)復(fù)雜，具有信用創(chuàng)造的功能，以證券化活動為主，與之相比，中國的影子銀行發(fā)展還處于簡單的資金融通的起步階段，但中國的影子銀行規(guī)模卻增長十分迅速，本文的研究目的是要未雨綢繆，對中國的影子銀行進行及時監(jiān)管，以免重蹈歐美的覆轍。鑒于影子銀行的高風險，先進經(jīng)濟體在危機發(fā)生之后都相繼改變之前寬松的監(jiān)管方式，向?qū)徤鲊栏竦姆较虬l(fā)展。我國的影子銀行今后不斷發(fā)展，伴隨的風險必定會逐步加大，應(yīng)該借鑒國外的有效經(jīng)驗并結(jié)合自身的實際，形成符合自身實際的監(jiān)管體系，是為本文的研究意義所在。 本文的重點在于分析中外影子銀行及其監(jiān)管方面的不同，以便利用國外先進的監(jiān)管經(jīng)驗，對我國的影子銀行監(jiān)管體系的建立提供幫助。文章利用定性與定量相結(jié)合、理論與實踐相結(jié)合、比較分析等方法，首先介紹了影子銀行的界定、特征、相關(guān)風險以及與之有關(guān)的金融監(jiān)管內(nèi)容，通過研究美國、歐盟、英國等先進國家在影子銀行監(jiān)管方面的經(jīng)驗，得出了對中國影子銀行監(jiān)管的啟示，在介紹中國影子銀行內(nèi)容、風險的基礎(chǔ)上，利用模型估算了中國的影子銀行規(guī)模并且量化分析了影子銀行與經(jīng)濟發(fā)展的關(guān)系，可以得出我國的影子銀行雖然結(jié)構(gòu)簡單、程度不高，但是規(guī)模逐年增長，已經(jīng)占到經(jīng)濟總量的1"4左右；經(jīng)濟發(fā)展促進了影子銀行的發(fā)展，但是影子銀行發(fā)展有可能阻礙經(jīng)濟發(fā)展等結(jié)論。最后提出了要加快推進利率市場化、引入金融機構(gòu)破產(chǎn)機制、加快國際合作并逐步與國際標準相統(tǒng)一、建立信息共享機制等建議，希望能夠?qū)ξ覈挠白鱼y行監(jiān)管體制的成立和發(fā)展提供一些有益的支持，從而提升我國金融機構(gòu)的健康水平，維護經(jīng)濟運行的穩(wěn)健。本文的創(chuàng)新點主要是建議設(shè)立行業(yè)自律機構(gòu)，建立實時動態(tài)監(jiān)測制度和作為風險預(yù)警的窗口指導(dǎo)政策等。
[Abstract]:The global financial crisis of 2008 has had varying degrees of negative impact on the world's major economies, and so far the damage caused by the crisis has not yet been fully repaired. After the crisis, the cause of the crisis has been widely studied and reached a basic agreement, the shadow banking factor is the main cause of the crisis. The biggest characteristic of shadow banking is that it has little or no financial supervision, and it is mainly profit-driven, so it contains huge risks. Under the background of economic globalization, the risk of shadow banking spreads rapidly and widely. The potential for destruction is staggering. The structure of shadow banking in developed countries in Europe and America is complex and has the function of credit creation. Compared with the securitization activities, the development of shadow banking in China is still in the initial stage of simple financing. However, the scale of shadow banking in China is growing very rapidly. The purpose of this paper is to prepare for the timely supervision of shadow banks in China so as not to repeat the mistakes of Europe and the United States. Given the high risk of shadow banking, advanced economies have moved in the direction of prudential rigour after the crisis. With the continuous development of shadow banking in our country, the risks will be gradually increased. We should learn from the effective experience of foreign countries and combine with our own reality to form a supervision system in accordance with our own reality, which is the research significance of this paper. The emphasis of this paper is to analyze the differences between Chinese and foreign shadow banks and their supervision in order to make use of the advanced supervision experience of foreign countries and to provide help for the establishment of shadow banking supervision system in China. By combining qualitative and quantitative analysis, theory and practice, comparative analysis and other methods, this paper first introduces the definition, characteristics, related risks and related financial supervision contents of shadow banking, through the study of the United States, the European Union, the United States, the European Union, and so on. The experience of the United Kingdom and other advanced countries in the supervision of shadow banks has drawn inspiration for the supervision of shadow banks in China. On the basis of introducing the contents and risks of China's shadow banks, Using the model to estimate the size of shadow banking in China and to quantitatively analyze the relationship between shadow banking and economic development, it can be concluded that although the structure of shadow banking in China is simple and the degree is not high, the scale of shadow banking in China is increasing year by year. The economic development has promoted the development of shadow banking, but the development of shadow banking may hinder the development of economy. Finally, some suggestions are put forward, such as speeding up the marketization of interest rates, introducing the bankruptcy mechanism of financial institutions, speeding up international cooperation and gradually unifying with international standards, establishing a mechanism for information sharing, and so on. It is hoped that it can provide some beneficial support for the establishment and development of the shadow banking supervision system in China, so as to promote the healthy level of our financial institutions and maintain the stability of the economic operation. The innovation of this paper is mainly to propose the establishment of industry self-discipline institutions, the establishment of real-time dynamic monitoring system and as a window to guide the policy of risk early warning, and so on.
【學位授予單位】：山西財經(jīng)大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832.1

【參考文獻】

相關(guān)期刊論文 前2條

1 巴曙松;;金融危機下的全球金融監(jiān)管走向及展望[J];西南金融;2009年10期

2 杜亞斌;顧海寧;;影子銀行體系與金融危機[J];審計與經(jīng)濟研究;2010年01期

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