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政大典藏 > College of Social Science > Department of Economics > Theses > Item 140.119/67635

Please use this identifier to cite or link to this item: https://nccur.lib.nccu.edu.tw/handle/140.119/67635

Title:	中國影子銀行之研究 The study of shadow banking in China
Authors:	陳奕璇
Contributors:	黃仁德黃俞寧陳奕璇
Keywords:	影子銀行 shadow banking in China
Date:	2013
Issue Date:	2014-07-21 15:44:28 (UTC+8)
Abstract:	近年來，中國影子銀行體系的發展與其存在的風險，受到國內外學者與有關當局的高度關注。影子銀行非常規的急速增長，一方面彌補了中國金融體系缺陷，推動了利率市場化，另一方面卻引發了新的監管問題，沖減了總體政策的效果。因此許多相關的文獻紛紛出爐，想要深入瞭解中國影子銀行體系並提出規範辦法，試圖防範其所帶的風險並消彌負面影響。本研究結果，主要發現，影子銀行的存在提升了中國商業銀行間的競爭，進而促使商業銀行推動更多業務，未來在政策與法規的許可範圍下，商業銀行會更注重推行綜合化經營；中國影子銀行被視為金融創新的成果，它提供了閒置資金高報酬的投資機會，在中國實施貨幣緊縮政策時，也紓解了企業融資的需求；中國影子銀行缺乏完善運作機制，在借貸成本過高的情況下，最終難以成為中小企業的首選融資管道。並提出可參考的政策建議為，中國應健全法規，強化金融基礎建設，明確監管制度，建立共享的金融業綜合統計監測體系；中國應對不同形式的影子銀行機構和業務活動進行差別化監督；中國應完善規範影子銀行體系的信息披露機制，定期公布影子銀行機構的相關信息，建立高效統一的信息共享平台，以提高金融市場和金融產品的透明度。 The development and the potential risks of shadow banking in China have received high attention from worldwide scholars and relevant authorities recently. The abnormal rapid growth of shadow banks has made up the deficiency of China’s financial system and promoted the marketization of interest rates; however, it has also intrigued new supervisory problems, which diminishes the effects of the overall policy. Hence, many related documents were published to having an insight into China’s shadow banking system and giving solutions for the potential risks in the purpose of counteract its negative impacts. There are three main discoveries of this research, firstly the existence of shadow banks intensifies the competition between Chinese commercial banks; moreover, they urge the commercial banks to promote more services. Therefore, within the norms of policies and legislations, the commercial banks will emphasize more on promoting integrating operations accordingly. Secondly, the Chinese shadow banks are regarded as an innovative achievement of banking which offers high-profit investing opportunities for the funds that are set aside. Also, they meet the requirment of the enterprises when the government is tightening the supply of money. Thirdly, without the perfect operating system, shadow banks will not be the first choice of financing channels for the small and medium enterprises because of the enormous manufacturing costs. Here in this research, it also provide suggestions for the government, which are make the regulatory system clear and build a shared supervisory body of comprehensive statistics for the banking business, conduct distinctive supervisions for different forms of shadow bank institutions, regulate the information publishing system, regularly announce related news of the shadow bank institutions and set up an effective united information sharing platform to enhance the transparency of financial market and its products.
Reference:	王智軼 (2014)，〈影子銀行對金融體系的影響及國內現狀研究〉，《對外經貿》， 225，頁100-103。王達 (2012)，〈論美國影子銀行體系的發展、運作、影響及監管〉，《國際金融研究》，1，頁35-43。巴曙松 (2009)，〈加強對影子銀行的監管〉，《中國金融》，14，頁13-15。方韡 (2013)，〈中國影子銀行的現狀及其利弊淺析〉，《北方經貿》，4，頁103-104。尹繼志 (2013)，〈影子銀行體系的業務運作、風險特徵與金融監管〉，《金融與經濟》，4，頁35-39。汪昱 (2013)，〈國內影子銀行的發展與監管〉，《科教文化》，246，頁197-199。武文超 (2013)，〈國內外影子銀行體系差異及監管對策分析〉，《中洲學刊》，204，頁36-39。李義奇 (2013)，〈對我國影子銀行業務的一些看法〉，《征信》，173，頁4-6。紀漢霖、李曙 (2013)，〈我國影子銀行體系研究〉，《金融經濟》，14，頁25-27。常江紅 (2014)，〈國內影子銀行對中小企業融資影響問題的初步研究〉，《價值工程》，2，頁143-144。高笑笑 (2013)，〈中國影子銀行法律監管問題的研究—以美國法律監管為借鑒〉，《社科縱橫》，28，頁157-158。徐軍輝 (2013)，〈中國式影子銀行的發展及其對中小企業融資的影響〉，《財經科學》，299，頁11-20。袁增霆 (2011)，〈中外影子銀行體系的本質與監管〉，《中國金融》，1，頁82-83。柴靜蓉 (2013)，〈從影子銀行看我國的金融發〉，《時代金融》，516，頁126-128。商旭 (2013)，〈影子銀行發展對國內各中小企業融資產生的影響〉，《財經界》， 17，頁27。陳繼勇、甄臻 (2013)，〈後危機時代中美影子銀行形成機制、風險特徵比較及對策研究〉，《武漢大學學報》，6，頁90-96。鹿朋 (2013)，〈中國影子銀行體系的發展與影響—基於國際比較視角的政策選擇〉，《北京科技大學學報》，2，頁62-67。黃群清、祖平奕 (2013)，〈淺析中國影子銀行〉，《時代金融》，523，頁142。趙曌、高龍 (2013)，〈論影子銀行在我國發展的必然性〉，《時代金融》，517，頁156-164。董文華 (2013)，〈淺析我國影子銀行現狀及監管政策〉，《財經界》，17，頁10-12。鄭誠 (2013)，〈中國影子銀行〉，《現代經濟信息》，15，頁341。 Adrian, T. and H. Shin (2010), “The Changing Nature of Financial Intermediation and the Financial Crisis of 2007-2009,” Annual Review of Economics, 2, pp. 603-618. Epstein, G. A. (2005), “Financialization and the World Economy,” Northampton: Edward Elgar Press, pp. 7-9. Gorton, G. and A. Metrick(2010), “Regulating the Shadow Banking System,” Brookings Papers on Economic Activity , 2, pp. 261-312. Pozsar, Z., T. Adrian, A. Ashcraft, and H. Boesky (2010), “Shadow Banking,” Federal Reserve Bank of New York Staff Report, p. 458. Pozsar, Z. (2011), “Institutional Cash Pools and the Triffin Dilemma of the U.S. Banking System,” IMF Working Paper, WP/11/190, International Monetary Fund.
Description:	碩士國立政治大學經濟學系 101258012 102
Source URI:	http://thesis.lib.nccu.edu.tw/record/#G0101258012
Data Type:	thesis
Appears in Collections:	[Department of Economics] Theses

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