试论我国影子银行体系的发展及其风险监管---毕业论文.doc

郑州大学西亚斯国际学院 本科毕业论文（设计） 题 目 试论我国影子银行体系的 发展及其风险监管 指导教师 易姣娇 职称__________ 学生姓名 何明明 学号20111232440 专 业 金融 班级 金融四班 院 （系） 商 学 院 完成时间 __________________________ 试论我国影子银行体系的发展及其风险监管 摘 要 自2010年我国影子银行的迅速发展引起了海内外的广泛关注以来，影子银行便成为了这几年年来金融领域的热门关键词语。随着改革开放而来的经济活力膨胀以及民营中小企业的资金需求不断扩大，金融创新越来越多，这些金融创新在经济活动中发挥着越来越大的作用，起到越来越大的影响，故而针对这一现象即影子银行的研究也随之越来越多。影子银行的发展一方面促进了金融创新，但是另一方面又带来了新的金融风险。影子银行体系的发展，虽然提高了金融市场的运行效率，但其消极影响也不容忽视。 影子银行对金融体系的不良影响和风险监管的重要性日益突现本文要四个方面来阐述中国影子银行的发展及其监管DISCUSSION?ON?THE?DEVELOPMENT OF THE?SHADOW?BANKING?SYSTEM? AND?ITS?RISK?SUPERVISION IN?CHINA ABSTRACT Since?the?rapid?development?of?Chinas?shadow?banking?since?2010?has?attracted?wide spread?attention?at?home?and?abroad,?the?shadow?banking?has?become?in?recent?years?the?financial?sector?hot?key?words.?But?with?the?reform?and?opening?up?the?economy?of?small?and?medium-sized?private?enterprises?and?the?expansion?of?money?demand?continues?to?expand,?more?and?more?financial?innovation,?the?financial?innovation?plays?a?more?and?more?important?role?in?economic?activities,?plays?a?more?and?more?influence,?therefore?in?the?light?of?this?phenomenon?is?the?study?of?the?shadow?banks?also?will?be?more?and?more.?On?the?one?hand?the?development?of?shadow?banking?to?promote?financial?innovation,?but?also?brought?new?financial?risks.?The?development?of?the?shadow?banking?system,?while?improving?the?efficiency?of?the?financial?market,?but?its?negative?effects?can?not?be?ignored.? In?view?of?the?financial?crisis?in?2008,?American?China?rapid?credit?growth?in?recent?years,?many?observers?and?potential?risks?of?financial?experts?on?Chinas?shadow?banking?system?expressed?deep?concerns?about?the?importance?of?the?shadow?banking,?adverse?impact?on?the?financial?system?and?the?risk?supervision?is?becoming?increasingly?be?imperative,?a?financial?supervision?system?reform.?So?this?paper?from?four?aspects?to?explain?the?de