金融创新、金融结构演进与影子银行的发展

发布时间：2018-03-19 11:09

本文选题：影子银行　切入点：金融创新　出处：《甘肃社会科学》2016年04期 　论文类型：期刊论文

【摘要】：金融创新与影子银行的产生和发展是金融市场自身不断演化的结果,也是金融结构发展、融资多元化进程中的产物。从银行主导型向市场主导型转变是现代金融结构演进的基本趋势,资本市场的发展和混业竞争的深化将诱使影子银行活动呈多元化和持续壮大趋势。中国影子银行活动在优化金融结构、提高金融体系效率和促进经济增长等诸多方面都存在一定的正向效应,同时,近几年我国影子银行活动也表现出无序膨胀的特征,在一定程度上增加了金融系统风险。随着我国金融体制改革的深化和金融结构的复杂化,影子银行的发展将更加迅猛且形式更加复杂多变。因此,监管机构应当正视和积极引导与规范影子银行的发展,完善相关制度建设和影子银行风险预警机制,切实防范金融风险。
[Abstract]:The emergence and development of financial innovation and shadow banking are the result of the continuous evolution of the financial market itself and the development of the financial structure. The transition from bank-oriented to market-oriented is the basic trend of the evolution of modern financial structure. The development of the capital market and the deepening of the mixed competition will induce the shadow banking activities to be diversified and continue to grow. China's shadow banking activities are optimizing the financial structure. There are some positive effects in improving the efficiency of the financial system and promoting economic growth. At the same time, in recent years, the shadow banking activities in China have shown the characteristics of disorderly expansion. With the deepening of the reform of the financial system and the complication of the financial structure, the development of shadow banking will be more rapid and complicated. Regulators should face up to and actively guide and standardize the development of shadow banking, improve the construction of relevant systems and early warning mechanism of shadow banking risks, and effectively guard against financial risks.
【作者单位】：西安交通大学经济与金融学院;上海立信会计金融学院;
【基金】：2012年国家社科基金重大项目“民间资本供求、风险防范及其健康发展研究”(编号:12&ZD071) 2011年上海市哲学社会科学基金项目“基于资产价格视角的逆周期金融宏观审慎监管研究”(编号:2011EJB003)
【分类号】：F831.2;F273.1

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