發(fā)布時間：2018-04-26 06:17

  本文選題：銀信合作 + 影子銀行�。� 參考：《蘇州大學》2015年碩士論文

【摘要】：本文以中國式影子銀行的最窄口徑,即銀信合作產品作為研究對象,證明其對我國貨幣政策信貸傳導效果的影響,分析其影響機制,并提出提高貨幣政策效果的建議。本文首先通過梳理我國銀信合作產品的運作模式與監(jiān)管政策的博弈過程,說明在業(yè)務運作層面銀信合作產品是如何發(fā)展成為中國式影子銀行代表的,并發(fā)現現行監(jiān)管存在的問題;然后,根據貨幣政策的信貸傳導過程,分段闡釋銀信合作產品影響貨幣政策信貸傳導效果的機制,提出銀信合作產品對貨幣政策信貸傳導效果有不利影響的假設;接著,借鑒向宇、朱海波的貨幣政策信貸傳導機制模型,設計了信貸的利率彈性這一指標,用于反映貨幣政策的信貸傳導效果,通過對信貸的利率彈性和銀信合作產品發(fā)行量這兩個變量構建VAR模型,并在此基礎上建立脈沖響應函數驗證了前文的假設;最后,根據前文發(fā)現的國內現行監(jiān)管的不足,以及銀信合作產品對貨幣政策信貸傳導的影響路徑,從改善監(jiān)管體制以降低銀信合作產品對貨幣政策傳導的干擾,優(yōu)化信貸傳導機制以疏通貨幣政策傳導渠道,以及其他配套措施三個方面出發(fā),提出若干改善貨幣政策效果的建議。
[Abstract]:In this paper, the narrowest caliber of Chinese shadow banking, that is, Yinxin cooperation product, is taken as the research object, to prove its influence on the credit transmission effect of monetary policy in China, to analyze its influence mechanism, and to put forward some suggestions to improve the monetary policy effect. First of all, by combing the game process between the operation mode and the supervision policy of the cooperation products, this paper explains how the cooperation products of the bank and the letter have developed into the representative of the Chinese shadow banking in the business operation level. Then, according to the credit transmission process of monetary policy, the paper explains the mechanism that the bank and credit cooperation products affect the credit transmission effect of monetary policy. This paper puts forward the assumption that the cooperative products of Yinxin have adverse influence on the credit transmission effect of monetary policy, and then, drawing on Xiang Yu and Zhu Haibo's model of monetary policy credit transmission mechanism, designs the index of interest rate elasticity of credit. In order to reflect the credit transmission effect of monetary policy, the VAR model is constructed by using the two variables of interest rate elasticity of credit and the circulation volume of bank credit cooperation products, and the impulse response function is established on this basis to verify the above hypothesis. According to the deficiencies of domestic existing supervision and the influence path of Yinxin cooperative products on the transmission of monetary policy credit, from improving the regulatory system to reduce the interference of Yinxin cooperation products to monetary policy transmission, Based on the optimization of credit transmission mechanism in order to dredge the transmission channels of monetary policy and other supporting measures, some suggestions for improving the effect of monetary policy are put forward.
【學位授予單位】：蘇州大學
【學位級別】：碩士
【學位授予年份】：2015
【分類號】：F822.0;F832.4

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