影子银行监管法律问题研究.pdf

分析和比较，总结了外国先进的监管模式和监管经验和启示，确立了国际监管改革的未 来趋势，这为我国日后金融监管体制的改革提供了有力的参考。 第三章主要是探讨我国的监管现状及面临的主要困境。首先对中国式影子银行的现 存样态进行深入剖析，分析我国金融监管体制的不足之处，为完善影子银行的监管打下 坚实的基础。 第四章是完善对策。首先，要改变我国行政管制过多的传统监管理念，实现功能性 的监管模式的变迁，其次，要树立适度监管和审慎监管的基本原则，实现金融监管的合 法化和合理化。再次，健全相关金融立法，重视保护金融消费者，提升风险管理能力。 最后，推动全球金融合作，全方位的控制、监测金融风险。 关键词：影子银行；金融创新；系统风险；法律监管 2 Abstract Since the 21st century, the shadow banking has experienced expansive growth and expansion, has become an important subject and traditional commercial banks to participate in a modern financial system to keep pace. Development and expansion of the shadow banking fundamentally changed the old pattern of the global financial system. Shadow banking in the global financial markets has brought prosperity, while the traditional commercial banks caused huge hit, but also to the entire financial system has become very fragile, and become part of the U.S. subprime mortgage crisis and the international financial crisis, the main driving force behind. Under the new pattern of the financial system, to strengthen macro- regulation of the shadow banking system, in order to prevent and avoid the financial crisis, to protect the security and stability of the financial markets are national regulatory authorities focus. Shadow foreign banks , the Chinese interest rate is not yet fully market-oriented Chinese -style shadow banking in form, content, have a strong impetus to the development of the Chinese characteristics . Financial terms of the inherent shortcomings of the objective needs of the development of the financial system or point of view, the shadow banking system in China s development has a necessity , but its huge financial risk and can