利率市场化下我国影子银行的审慎监管分析
时间:2016-12-20 21:23 来源:毕业论文 作者:毕业论文 点击:次
| 摘要长期以来，银行存款利率的管制使我国实际利率的上浮受到抑制，为满足市场投资的融资需求，影子银行应运而生。全面提升金融资源配置的效率，是以放开存款利率上限为里程碑标志的利率市场化改革的根本要求，这标志着利率市场化改革进入宏微观联动的新时代。在利率市场化环境下，影子银行的发展受限，优质客户易流失，经营风险加大，监管的标准不统一，其结果必将危机金融体系的安全与稳定，而现有的对影子银行的监管存在监管真空、监管不完善、监管人才缺乏、监管之后等问题，使得金融监管改革迫在眉睫。本文通过比照国内外影子银行监管的不同，结合我国现行的金融形势，提出包括进行金融监管创新、完善监管体系、深入金融改革等监管措施，以期进一步完善我国在利率市场化条件下对影子银行的审慎监管。4621 关键词：利率市场化；影子银行； 审慎监管 Abstract For a long time, since the regulation of bank deposit interest rates, the rise of the real rate of interest in China was inhibited. To meet the financing needs of the investment market, the shadow banking came into being, and to enhance the efficiency of financial resource allocation and fundamental requirements determine to enter new period of macro and micro linkage to lift the ceiling on deposit interest rates as a milestone marking the market-oriented reform of interest rates. In the interest rate market environment, the shadow banking development is limited, the high-quality customers easy loss, increased operational risks, regulatory standards are not unified, after the result will crisis in the financial system security and stability, and the problems rises, for example, the existing supervision on shadow banking existing regulatory vacuum, regulation is not finished good, regulatory personnel lack of supervision, etc., the financial regulatory reform is imminent. This paper by comparing the shadow banking supervision at home and abroad and combined with the status quo of China's financial development, put forward some measures which including innovation of financial supervision, improve the regulatory system, deepening of financial reform and other regulatory measures proposed, in order to realize the prudential supervision over the shadow banking under the condition of interest rate liberalization. Key words：interest rate liberalization； shadow banking； Prudential Supervision 目 录 摘 要 I Abstract II 一、绪论 1 二、利率市场化对我国影子银行的影响 2 ㈠ 我国利率市场化改革的内容与现状 2 ㈡ 我国影子银行发展现状 3 ㈢ 利率市场化下我国影子银行存在的问题 4 三、国内对影子银行的审慎监管 5 ㈠ 针对银信合作的监管 5 ㈡ 针对P2P网络贷款等互联网金融的监管 7 ㈢ 针对各影子银行机构的监管 8 四、我国对影子银行审慎监管的不足 8 ㈠ 金融监管滞后于金融创新 8 ㈡ 缺乏金融监管人才和监管有效机制 8 ㈢ 缺乏对影子银行的系统监管 9 五、国外对影子银行的审慎监管 9 ㈠ FSB对影子银行体系的监管措施 9 ㈡ 美国对影子银行的监管 10 ㈢ 英国对影子银行的监管 11 ㈣ 欧盟对影子银行的监管 12 优尔、完善我国对影子银行的审慎监管 12 ㈠ 重构我国影子银行的监管方式和监管原则 13 (责任编辑：qin) |