【摘要】：自從2007年保羅·麥卡利(Paul McCulley)先提出影子銀行的概念,并在2008年金融危機中被認為是重要的推動因素以來,國內(nèi)外學者也是對影子銀行的定義眾說紛紜。隨著影子銀行系統(tǒng)在全球金融市場中大行其道,中國式影子銀行迅速膨脹,逐漸引起各國學者和監(jiān)管層的廣泛關注。影子銀行又稱影子銀行體系(The Shadow Banking System),是指那些行使著銀行功能卻不受監(jiān)管或少受監(jiān)管的非銀行金融機構及其工具和產(chǎn)品。本文通過對近幾年國內(nèi)外研究成果的總結(jié),重點結(jié)合影子銀行業(yè)務在中國的發(fā)展實際和國務院“第107號文”,對中國式影子銀行的定義、運行機制和組成形式進行了梳理;并通過大量實證數(shù)據(jù)和圖表展示了近年來中國式影子銀行業(yè)務的發(fā)展。同時由于影子銀行系統(tǒng)的日益壯大使其在金融系統(tǒng)中的地位不斷提高,相應地,影子銀行系統(tǒng)對商業(yè)銀行和貨幣政策等方面也表現(xiàn)出日益強大的影響力,其對金融系統(tǒng)的發(fā)展既有積極作用又有消極作用。雖然影子銀行系統(tǒng)容易積聚系統(tǒng)性風險,并給金融市場帶來不穩(wěn)定因素,但考慮到影子銀行系統(tǒng)在調(diào)節(jié)流動性、增強盈利性、完善信用中介供給、滿足投融資者的需求等方面的積極作用,本文認為我們?nèi)匀粦硇钥创@一現(xiàn)象,正確的引導影子銀行發(fā)展,合理處理金融創(chuàng)新與金融監(jiān)管的關系,循序漸進的推進金融產(chǎn)品創(chuàng)新。建立以“規(guī)范化”為主的有效的影子銀行監(jiān)管體系對策,完善影子銀行內(nèi)控機制,并建立影子銀行與商業(yè)銀行之間的防火墻,來防范和規(guī)避風險。同時加強信息披露制度,建立覆蓋影子銀行的法律法規(guī),以促進金融業(yè)向服務業(yè)全面轉(zhuǎn)型。
[Abstract]:Since Paul Mccully (Paul McCulley) first put forward the concept of shadow banking in 2007 and was considered an important driving factor in the 2008 financial crisis, scholars at home and abroad have different views on the definition of shadow banking. With the popularity of the shadow banking system in the global financial markets, the rapid expansion of Chinese shadow banking has gradually attracted the attention of scholars and regulators from all over the world. Shadow banking, also known as shadow banking system (The Shadow Banking System), refers to non-bank financial institutions and their instruments and products that perform banking functions but are not regulated or less regulated. Based on the summary of the research results at home and abroad in recent years, this paper focuses on the development of shadow banking in China and the State Council's Article 107, combs the definition, operation mechanism and composition of Chinese shadow banking, and shows the development of Chinese shadow banking business in recent years through a large number of empirical data and charts. At the same time, due to the increasing growth of the shadow banking system, its position in the financial system continues to improve. Accordingly, the shadow banking system also shows increasingly strong influence on commercial banks and monetary policy, which has both positive and negative effects on the development of the financial system. Although the shadow banking system is easy to accumulate systemic risks and bring instability to the financial market, considering the positive role of the shadow banking system in regulating liquidity, enhancing profitability, perfecting the supply of credit intermediaries, and meeting the needs of investors, this paper holds that we should still look at this phenomenon rationally, correctly guide the development of shadow banking, and reasonably deal with the relationship between financial innovation and financial supervision. Step by step to promote the innovation of financial products. To establish an effective shadow banking supervision system based on "standardization", improve the internal control mechanism of shadow banking, and establish a firewall between shadow banking and commercial banks to prevent and avoid risks. At the same time, we should strengthen the information disclosure system and establish laws and regulations covering shadow banking in order to promote the comprehensive transformation of the financial industry to the service industry.
【學位授予單位】：云南財經(jīng)大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F832.3

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