我国影子银行风险及监管研究
发布时间：2018-12-14 14:20
【摘要】：随着上世纪中后期欧美国家出现所谓的脱媒型信用危机，金融系统出现了存款的资金量不足、信用贷款发放不足、银行收入下降等现象。政府不得不采取大规模的放宽对银行的管制，来应对此次危机。由此带来的激烈行业竞争创造了一股金融创新的浪潮，所谓的“影子银行”体系也随着大量金融产品、金融创新和金融机构的我国影子银行近六年的发展非常迅速，由于对影子银行的发展缺乏监管，使得影子银行威胁到了整个金融体系的稳定，故研究影子银行的风险、影子银行对金融体系稳定性的影响以及影子银行的监管等方面是非常必要的。 本文运用定性分析的方法，对我国影子银行的发展现状、特点以及发展趋势进行了分析，并在此基础上用定量分析方法对我国影子银行规模与金融体系的关系进行了实证分析，得出我国影子银行对金融体系的稳定性具有重要的影响：影子银行与金融体系的稳定性的关系并不是单纯的促进或阻碍，，而是呈现出U字形效应，即在达到稳定性临界点12.79万亿元之前，影子银行规模的增长有助于金融系统的发展，而超过临界点12.79万亿元时，却将抑制金融体系的发展。 在了解我国影子银行发展情况及对我国金融体系影响的基础上，用案例分析等定性方法，对我国影子银行的监管现状及存在的问题进行了详细描述，并在借鉴国外成功经验的基础上，得出完善我国影子银行监管的建议：（1）从市场监管角度上来看，需健全市场的公开信息披露制度、健全影子银行金融监督的法律法规等；（2）从自律角度来看，需完善影子银行的内控制度建设、完善金融行业自律制度建设等；（3）从监管主体角度来看，需树立起功能性监管的概念、正确把握创新和监管间的联系等。
[Abstract]:With the emergence of the so-called disintermediated credit crisis in Europe and the United States in the middle and late of last century, the financial system has appeared the phenomenon of insufficient deposit funds, insufficient credit loan issuance and the decline of bank income. The government has had to deal with the crisis with a massive deregulation of banks. The fierce industry competition has created a wave of financial innovation. The so-called "shadow banking" system has developed very rapidly in the past six years with a large number of financial products, financial innovations and financial institutions. Because of the lack of supervision over the development of shadow banking, which threatens the stability of the entire financial system, it studies the risks of shadow banking. The influence of shadow banking on the stability of financial system and the supervision of shadow banking are very necessary. Based on the qualitative analysis, this paper analyzes the present situation, characteristics and development trend of shadow banking in China, and makes an empirical analysis of the relationship between the scale of shadow banking and the financial system by means of quantitative analysis. It is concluded that shadow banking plays an important role in the stability of the financial system: the relationship between shadow banking and the stability of the financial system is not a mere promotion or hindrance, but a U-shaped effect. That is, before reaching the critical point of stability of 12.79 trillion yuan, the growth of shadow banking scale will help the development of the financial system, but beyond the critical point of 12.79 trillion yuan, it will inhibit the development of the financial system. Based on the understanding of the development of shadow banking in China and its impact on our financial system, this paper describes the present situation and problems of shadow banking supervision in China by using qualitative methods such as case analysis. On the basis of the successful experience of foreign countries, some suggestions are put forward to improve the supervision of shadow banking in China: (1) from the perspective of market supervision, it is necessary to perfect the public information disclosure system of the market and the laws and regulations of financial supervision of shadow banks; (2) from the point of view of self-discipline, it is necessary to perfect the construction of internal control system of shadow banking and the construction of self-discipline system of financial industry. (3) the concept of functional supervision should be set up and the relationship between innovation and supervision should be correctly grasped.
【学位授予单位】：湖南大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.3
本文编号：2378750
[Abstract]:With the emergence of the so-called disintermediated credit crisis in Europe and the United States in the middle and late of last century, the financial system has appeared the phenomenon of insufficient deposit funds, insufficient credit loan issuance and the decline of bank income. The government has had to deal with the crisis with a massive deregulation of banks. The fierce industry competition has created a wave of financial innovation. The so-called "shadow banking" system has developed very rapidly in the past six years with a large number of financial products, financial innovations and financial institutions. Because of the lack of supervision over the development of shadow banking, which threatens the stability of the entire financial system, it studies the risks of shadow banking. The influence of shadow banking on the stability of financial system and the supervision of shadow banking are very necessary. Based on the qualitative analysis, this paper analyzes the present situation, characteristics and development trend of shadow banking in China, and makes an empirical analysis of the relationship between the scale of shadow banking and the financial system by means of quantitative analysis. It is concluded that shadow banking plays an important role in the stability of the financial system: the relationship between shadow banking and the stability of the financial system is not a mere promotion or hindrance, but a U-shaped effect. That is, before reaching the critical point of stability of 12.79 trillion yuan, the growth of shadow banking scale will help the development of the financial system, but beyond the critical point of 12.79 trillion yuan, it will inhibit the development of the financial system. Based on the understanding of the development of shadow banking in China and its impact on our financial system, this paper describes the present situation and problems of shadow banking supervision in China by using qualitative methods such as case analysis. On the basis of the successful experience of foreign countries, some suggestions are put forward to improve the supervision of shadow banking in China: (1) from the perspective of market supervision, it is necessary to perfect the public information disclosure system of the market and the laws and regulations of financial supervision of shadow banks; (2) from the point of view of self-discipline, it is necessary to perfect the construction of internal control system of shadow banking and the construction of self-discipline system of financial industry. (3) the concept of functional supervision should be set up and the relationship between innovation and supervision should be correctly grasped.
【学位授予单位】：湖南大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.3
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