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1、畢業(yè)論文學(xué)院金融學(xué)院班級(jí)14金融8學(xué)號(hào)20145125姓名李文驕題目關(guān)于我國(guó)影子銀行監(jiān)管現(xiàn)狀與對(duì)策研究指導(dǎo)教師（姓名及職稱）占韋威講師[總評(píng)成績(jī)：]關(guān)于我國(guó)影子銀行監(jiān)管現(xiàn)狀與對(duì)策研究金融學(xué)院金融學(xué)專業(yè)14級(jí)8班 李文驕20145125指導(dǎo)老師：占韋威講師內(nèi)容摘要：在傳統(tǒng)的銀行業(yè)務(wù)之外，存在著一種與傳統(tǒng)銀行功能類似的金融機(jī)構(gòu)——影子銀行，它或者游離于監(jiān)管之外，或者只受到輕度監(jiān)管，是一種信用中介機(jī)構(gòu)或業(yè)務(wù)活動(dòng)。它在稀釋分散風(fēng)險(xiǎn)、拓寬融資渠道、促進(jìn)金融創(chuàng)新、優(yōu)化產(chǎn)業(yè)結(jié)構(gòu)等方面發(fā)揮著不容忽視的積極作用。但隨著影子銀行的發(fā)展，其高杠桿運(yùn)作、低透明度、缺乏有效監(jiān)管等特征，會(huì)加大風(fēng)險(xiǎn)，累積成系統(tǒng)性
2、風(fēng)險(xiǎn)，嚴(yán)重威脅到整個(gè)金融體系的穩(wěn)定運(yùn)行，甚至?xí)绊懙缴鐣?huì)的發(fā)展。當(dāng)前，經(jīng)濟(jì)已經(jīng)實(shí)現(xiàn)全球一體化，世界各國(guó)普遍面臨著如何有效監(jiān)管影子銀行的問題，像以美國(guó)、歐盟為首的西方國(guó)家就一致要求加強(qiáng)對(duì)影子銀行的監(jiān)管，穩(wěn)定金融市場(chǎng)。本文從我國(guó)影子銀行發(fā)展和監(jiān)管現(xiàn)狀出發(fā)，借鑒國(guó)際相關(guān)方面的經(jīng)驗(yàn)，針對(duì)我國(guó)影子銀行的監(jiān)管提出相關(guān)建議。關(guān)鍵詞：影子銀行，監(jiān)管現(xiàn)狀，監(jiān)管對(duì)策ResearchontheCurrentSituationandCountermeasuresofChina'sShadowBankingSupervisionAbstract：Inadditiontothetraditionalbankin
3、gbusiness,thereisakindoffinancialinstitutionsimilartothetraditionalbankingfunction—ashadowbank,whichiseitheroutsideofsupervisionorunderlightsupervision.Itisacreditintermediaryagencyorbusinessactivity.Itplaysanactiverolethatcannotbeignoredindilutingandspreadingrisk,broadeningfinancingchannels,pr
4、omotingfinancialinnovation,andoptimizingindustrialstructure.However,withthedevelopmentofshadowbanking,featuressuchashighleverage,lowtransparency,andlackofeffectivesupervisionwillincreaserisksandaccumulatesystemicrisks,threateningthestableoperationoftheentirefinancialsystemandevenaffectingthedev
5、elopmentofsociety..Atpresent,theeconomyhasachievedglobalintegration.Countriesintheworldaregenerallyfacedwiththeproblemofhowtosuperviseshadowbankingeffectively.WesterncountriesliketheUnitedStatesandtheEuropeanUnionhaveunanimouslycalledforstrengtheningthesupervisionofshadowbankingandstabilizingth
6、efinancialmarket.ThispaperstartswiththestatusquoofChina'sshadowbankingdevelopmentandsupervision,learnsfromtheexperienceofinternationalrelevantparties,andputsforwardrelevantsuggestionsforthesupervisionofChina'sshadowbanking.Keywords：Shadowbanking，Regulatorystatus，Regulatorymeasures目錄前言6一、我國(guó)影子銀行的
7、基本情況概述6（一）影子銀行的概念界定6（二）影子銀行的表現(xiàn)形式71.銀信合作72.私募基金83.委托貸款84.小額貸款公司85.民間金融8（三）影子銀行的特點(diǎn)91.存款不是資金來源92.批發(fā)業(yè)務(wù)模式93.高杠桿化操作、風(fēng)險(xiǎn)較大94.信息透明度低95.監(jiān)管機(jī)制缺失9（四）產(chǎn)生原因10二、我國(guó)影子銀行的監(jiān)管現(xiàn)狀10（一）傳統(tǒng)監(jiān)管模式及存在的問題101.監(jiān)管標(biāo)準(zhǔn)不統(tǒng)一，監(jiān)管套利嚴(yán)重102.存在監(jiān)管競(jìng)爭(zhēng)，監(jiān)管效率低103.信息不對(duì)稱，無法識(shí)別風(fēng)險(xiǎn)104.抑制金融
