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1、我國(guó)影子銀行風(fēng)險(xiǎn)監(jiān)管問題研究摘要隨著市場(chǎng)經(jīng)濟(jì)的逐步發(fā)展，金融業(yè)和經(jīng)濟(jì)業(yè)逐步發(fā)展成熟。但是隨著時(shí)代發(fā)展的復(fù)雜性，一些金融危機(jī)和經(jīng)濟(jì)危機(jī)逐步出現(xiàn)。特別是西方一些國(guó)家的市場(chǎng)經(jīng)濟(jì)屮出現(xiàn)的一些問題使得木國(guó)的金融產(chǎn)業(yè)出現(xiàn)了多方面的問題。像能夠流通的資金不足以人們借貸，人們存入銀行的資產(chǎn)減少，銀行的利潤(rùn)不足以承擔(dān)國(guó)家經(jīng)濟(jì)等。國(guó)家為了緩解這種情況，不得不對(duì)銀行放松些標(biāo)準(zhǔn)好來改善問題。所以，影了銀行隨Z出現(xiàn)并且發(fā)展起來。但是隨著一些這種現(xiàn)象的出現(xiàn)，影了銀行缺乏固定的機(jī)制和發(fā)展標(biāo)準(zhǔn)，所以它的發(fā)展不太規(guī)范，在某些程度上影響了經(jīng)濟(jì)的穩(wěn)定和社會(huì)的發(fā)展，不利于金融界秩序的穩(wěn)定。所以我們要認(rèn)清影子銀行的實(shí)質(zhì)，從一定程度
2、上對(duì)影子銀行進(jìn)行監(jiān)管，并且了解它的發(fā)展動(dòng)向和結(jié)構(gòu)體系。下面本篇論文將通過彩子銀行的丿力史和概念，影子銀行的風(fēng)險(xiǎn)特征，影子銀行的產(chǎn)生原因，影了銀行監(jiān)管的國(guó)際經(jīng)驗(yàn)談起，調(diào)查影了銀行的發(fā)展現(xiàn)狀及影響，到最后研究出對(duì)付影子銀行的對(duì)策這幾大方面來對(duì)影子銀行進(jìn)行研究。認(rèn)真總結(jié)出我國(guó)影子銀行風(fēng)險(xiǎn)監(jiān)管問題的研究成果。關(guān)鍵詞：影子銀行監(jiān)管問題研究Abstract:withthegradualdevelopmentofmarketeconomy,financeandeconomicindustrygraduallymature.ButasthecomplexityofTheTimesdevelopment,a
3、ndsomeofthefinancialcrisisandeconomiccrisisgraduallyappea匚Especiallyinthewesterncountriesofmarketeconomymakessomeproblemsofthecountry'sfinancialindustryavarietyofproblems.Liketoenoughpeopleborrowingmoneytogoaround,peopleinthebankassets,thebankprofitsarenotsufficienttocarrythenationaleconomy,etc.Co
4、untriesinordertoalleviatethiskindofsituation,havetogoodtoBankstorelaxstandardstoimprovetheproblem.So,shadowBanksemergedanddeveloped.Butwiththeemergenceofsomeofthephenomenon,mechanismsanddevelopmentofshadowBankslackoffixedstandards,soit'sdevelopmentisnotstandard,tosomeextentinfluencethestabilityoft
5、heeconomicandsocialdevelopment,isnotconducivetothestabilityofthefinancialorder.Sowehavetorecognizetheessenceoftheshadowbanking,fromacertainextentontheshadowbankingsupervision,andknowitsdevelopmenttrendandthestructuresystem.Belowthispaperwillbesenttoyoubytheshadowbankinghistoryandconcept,theshadowb
6、ankingriskcharacteristics,causesoftheshadowbankingsystem,theinternationalexperienceofshadowbankingsupervision,investigatethedevelopmentoftheshadowbankinganditsinfluence,attheendofthestudyofcountermeasuresagainsttheshadowbankingtheseseveralaspectstostudyofshadowbanking.Seriouslysummeduptheresearcha
7、chievementsofChina'sshadowbankingriskregulatoryissues.Keywords:shadowbankingregulatoryissueresearch目錄一弓
8、言3二、影了銀行概述5(-)影子銀行的概況5(-)影子銀行的風(fēng)險(xiǎn)特征51、信用風(fēng)險(xiǎn)52、傳染性風(fēng)險(xiǎn)53,流動(dòng)性風(fēng)險(xiǎn)64,對(duì)于影子銀行的防范監(jiān)管不足的風(fēng)險(xiǎn)61、時(shí)代發(fā)展的需要62、金融界發(fā)展的需求63、影子銀行自身的條
