影子银行对金融业影响分析研究 财务管理专业VIP免费

题目：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：Withthedeepeningofeconomicglobalization,aswellasfinancialderivativesappearinginlargenumbers,thenumberofshadowbankingisincreasing,andthescaleoftheshadowbankinghasbeenexpandedrapidly.Sincethefinancialcrisis,aroundtheworldcontinuetostrengthenthestudyofshadowbankingissues.Beinganemergingcreditcreationsystem,theshadowbankingsystemiscloselycombinedwiththetraditionalbankingsectorandfunctionapproximation,butitalsohashighleverage,maturitymismatchesandnotsubjecttofinancialmonitoring,whichmakeitselfanot-standarddevelopmentandeasiertohaveimpactsonfinancialstability.Inrecentyears,theshadowbankingsystemhasdevelopedrapidlyinChinaandbecomeaforcewhichcannotbeignoredintheChina’sfinancialsystem.Withtheincreasingsizeofshadowbankingcredit,arbitragehasgraduallyformed.Lackoffinancialsupervisionandlegalconstraints,developmentofshadowbankingisdifficultundercontrol,andhasseriouslyaffectedthecountry'sfinancialmarket.Therefore,inordertoimproveourfinancialmarketsandregulateourfinancialsystem,ithasbecomeanemergencytotightentheregulationofshadowbanking.Therefore,weshouldbefairandobjectivetotheshadowbanking,throughthein-depthstudyofshadowbanking,toexploreitsownproblems,andproposeappropriatemeasurestosolve,thuscontinuetoregulatethenumberandsizeoftheshadowbanking,andguidethehealthydevelopmentoftheshadowbanking,andthuscontinuetostrengthenfinancialinnovation,improvethefinancialsystem.Keywords:shadowbanking;financialstability;financialsupervision目录绪论...................................................................11影子银行的基本概述................................................21.1影子银行的定义..................................................21.2影子银行的特点..................................................22影子银行的发展现状................................................32.1影子银行现状分析................................................32.2影子银行发展趋势................................................33我国影子银行存在的问题............................................43.1流动性风险......................................................43.2系统性风险......................................................43.3市场监管不到位..................................................53.4信息披露机制不健全..............................................64完善我国影子银行的措施和建议.....................................64.1实行利率市场化改革...........