影子银行对金融业影响分析

：影子银行对金融业影响分析

摘要：随着经济全球化的不断深化，以及金融衍生品的大量出现，使得影子银行的数量不断增多，自身规模也得到了迅速的扩大。自金融危机以后，世界各地不断加强对影子银行问题的研究。影子银行作为一种新兴的信用创造体系，影子银行系统和传统的银行体系之间的功能相互联系并且职能相似，但是它也有高杠杆率、期限错配和不受金融监管的特征，使得影子银行的发展极不规范，从而更容易对金融稳定性造成影响。近年来，影子银行在我国得到了迅速发展，它已经成为我国金融体系中一股不可忽视的力量。随着影子银行信贷规模的提高，逐渐形成了套利行为，在缺乏金融监管以及法律约束的情况下，影子银行的发展很难受到控制，并且已经严重影响到了我国的金融市场。加强对影子银行的监管已经成为完善我国金融市场，规范金融体系的一件刻不容缓的事情。因此，我们应该公正客观的看待影子银行，不能一概而论，通过对影子银行的深入研究，探索其自身存在的问题，提出相应的办法并解决，从而不断规范影子银行的数量和规模，引导影子银行健康发展，进而不断强化金融创新，完善金融体系。

关键词：影子银行；金融稳定性；金融监管

Abstract：With the deepening of economic globalization, as well as financial derivatives appearing in large numbers, the number of shadow banking is increasing, and the scale of the shadow banking has been expanded rapidly. Since the financial crisis, around the world continue to strengthen the study of shadow banking issues. Being an emerging credit creation system, the shadow banking system is closely combined with the traditional banking sector and function approximation, but it also has high leverage, maturity mismatches and not subject to financial monitoring, which make itself a not-standard development and easier to have impacts on financial stability. In recent years, the shadow banking system has developed rapidly in China and become a force which cannot be ignored in the China’s financial system. With the increasing size of shadow banking credit, arbitrage has gradually formed. Lack of financial supervision and legal constraints, development of shadow banking is difficult under control, and has seriously affected the country's financial market. Therefore, in order to improve our financial markets and regulate our financial system, it has become an emergency to tighten the regulation of shadow banking. Therefore, we should be fair and objective to the shadow banking, through the in-depth study of shadow banking, to explore its own problems, and propose appropriate measures to solve, thus continue to regulate the number and size of the shadow banking, and guide the healthy development of the shadow banking, and thus continue to strengthen financial innovation, improve the financial system.

Key words: shadow banking; financial stability; financial supervision

目录

绪论 (1)

1 影子银行的基本概述 (2)

1.1 影子银行的定义 (2)

1.2 影子银行的特点 (2)

2 影子银行的发展现状 (3)

2.1 影子银行现状分析 (3)

2.2 影子银行发展趋势 (3)

3 我国影子银行存在的问题 (4)

3.1 流动性风险 (4)

3.2 系统性风险 (4)

3.3 市场监管不到位 (5)

3.4 信息披露机制不健全 (6)

4 完善我国影子银行的措施和建议 (6)

4.1 实行利率市场化改革 (6)

4.2 深化金融体制改革，积极推进金融创新 (7)

4.3 加强金融监管，完善法律体系 (7)

4.4 形成有效的信息披露机制 (8)

结论 (10)

参考文献 (11)

致谢 (12)