【摘要】：隨著上世紀(jì)中后期歐美國家出現(xiàn)所謂的脫媒型信用危機(jī)，金融系統(tǒng)出現(xiàn)了存款的資金量不足、信用貸款發(fā)放不足、銀行收入下降等現(xiàn)象。政府不得不采取大規(guī)模的放寬對(duì)銀行的管制，來應(yīng)對(duì)此次危機(jī)。由此帶來的激烈行業(yè)競爭創(chuàng)造了一股金融創(chuàng)新的浪潮，所謂的“影子銀行”體系也隨著大量金融產(chǎn)品、金融創(chuàng)新和金融機(jī)構(gòu)的我國影子銀行近六年的發(fā)展非常迅速，由于對(duì)影子銀行的發(fā)展缺乏監(jiān)管，使得影子銀行威脅到了整個(gè)金融體系的穩(wěn)定，故研究影子銀行的風(fēng)險(xiǎn)、影子銀行對(duì)金融體系穩(wěn)定性的影響以及影子銀行的監(jiān)管等方面是非常必要的。 本文運(yùn)用定性分析的方法，對(duì)我國影子銀行的發(fā)展現(xiàn)狀、特點(diǎn)以及發(fā)展趨勢進(jìn)行了分析，并在此基礎(chǔ)上用定量分析方法對(duì)我國影子銀行規(guī)模與金融體系的關(guān)系進(jìn)行了實(shí)證分析，得出我國影子銀行對(duì)金融體系的穩(wěn)定性具有重要的影響：影子銀行與金融體系的穩(wěn)定性的關(guān)系并不是單純的促進(jìn)或阻礙，，而是呈現(xiàn)出U字形效應(yīng)，即在達(dá)到穩(wěn)定性臨界點(diǎn)12.79萬億元之前，影子銀行規(guī)模的增長有助于金融系統(tǒng)的發(fā)展，而超過臨界點(diǎn)12.79萬億元時(shí)，卻將抑制金融體系的發(fā)展。 在了解我國影子銀行發(fā)展情況及對(duì)我國金融體系影響的基礎(chǔ)上，用案例分析等定性方法，對(duì)我國影子銀行的監(jiān)管現(xiàn)狀及存在的問題進(jìn)行了詳細(xì)描述，并在借鑒國外成功經(jīng)驗(yàn)的基礎(chǔ)上，得出完善我國影子銀行監(jiān)管的建議：（1）從市場監(jiān)管角度上來看，需健全市場的公開信息披露制度、健全影子銀行金融監(jiān)督的法律法規(guī)等；（2）從自律角度來看，需完善影子銀行的內(nèi)控制度建設(shè)、完善金融行業(yè)自律制度建設(shè)等；（3）從監(jiān)管主體角度來看，需樹立起功能性監(jiān)管的概念、正確把握創(chuàng)新和監(jiān)管間的聯(lián)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.
【學(xué)位授予單位】：湖南大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.3

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 朱孟楠;葉芳;趙茜;王宇光;;影子銀行體系的監(jiān)管問題——基于最優(yōu)資本監(jiān)管模型的分析[J];國際金融研究;2012年07期

2 陳劍;張曉龍;;影子銀行對(duì)我國經(jīng)濟(jì)發(fā)展的影響——基于2000—2011年季度數(shù)據(jù)的實(shí)證分析[J];財(cái)經(jīng)問題研究;2012年08期

3 陳斌彬;;境外影子銀行監(jiān)管制度的新進(jìn)展及其啟示[J];商業(yè)研究;2013年02期

4 金芳;;金融危機(jī)后的世界經(jīng)濟(jì)格局變化及其對(duì)美國經(jīng)濟(jì)的影響[J];世界經(jīng)濟(jì)研究;2010年10期

5 周莉萍;;影子銀行體系的信用創(chuàng)造:機(jī)制、效應(yīng)和應(yīng)對(duì)思路[J];金融評(píng)論;2011年04期

6 紀(jì)敏;曾暉;;從歷史對(duì)比看我國當(dāng)前的影子銀行[J];金融發(fā)展評(píng)論;2013年02期

7 於碧海;章震;;影子銀行對(duì)商業(yè)銀行傳統(tǒng)業(yè)務(wù)的影響研究[J];金融縱橫;2013年08期

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

9 陸暢;;影子銀行對(duì)銀行經(jīng)營的影響及風(fēng)險(xiǎn)分析[J];時(shí)代金融;2012年03期

10 巴曙松;;加強(qiáng)對(duì)影子銀行系統(tǒng)的監(jiān)管[J];中國金融;2009年14期

本文編號(hào)：2378750