目录
一、引言……………………………………………………………1
二、文献综述……………………………………………………….. 2
三、我国影子银行的概念………………………………………………. 4
四、我国影子银行发展现状及形成原因……………………………………. 5
（一）我国影子银行发展现状…………………………………………. 5
（二）我国影子银行形成原因…………………………………………. 7
五、我国影子银行体系所面临的风险及防范………………………………… 9
（一）影子银行风险概述…………………………………………….. 9
1、高杠杆率的风险…………………………………………………. 9
2、流动性风险…………………………………………………….. 9
3、刚性兑付问题…………………………………………………… 9
4、信息透明度低………………………………………………….. 10
（二）影子银行风险防范………………………………………………. 10
1、采用规范统一的标准。……………………………………………. 11
2、打破刚性兑付………………………………………………….. 11
3、加强理财产品的管理与运作…………………………………………. 11
六、我国对影子银行的监管思路………………………………………… 12
（一）要对影子银行的操作范围做出明确界定。……………………………. 12
（二）明确符合表外业务的监管原则。…………………………………. 13
（三）采取合理标准监管表内业务。…………………………………… 13
参考文献………………………………………………………….. 14
影子银行的风险与监管研究
摘要：近年来，随着我国一系列金融改革的推进，我国的基础货币投放量逐渐减速，市场流动性匮乏，2014年的“钱荒”事件和2015年整个年度的5次降准、降息、定向降准等措施来缓解流动性缺失问题，流动性的匮乏，导致小微企业“融资难，融资贵”问题加剧，影子银行的快速发展，有利于缓解这一难题。但影子银行的过快发展又蕴含着大量的风险与难题。本文从界定我国的影子银行体系概念入手并阐述了我国影子银行快速发展的原因，针对我国银子银行的几大风险提出了相应的监管方向与措施，有利于我国影子银行体系更加健康发展，更好的服务于实体经济。
关键词;影子银行；银行风险；监管方向
Abstract: In recent years, with the advancement of our country a series of financial reform, our country’s monetary base put the amount of a gradual slowdown, market liquidity scarcity, “money shortage events in 2014 and 2015 the annual 5 times RRR, a cut in interest rates, lowering the directional quasi measures to alleviate the lack of liquidity problems, the lack of liquidity, leading to small and micro enterprises” financing, financing your problem is exacerbated, the rapid development of the shadow banking, help to alleviate this problem. But the rapid development of the shadow banking and contains the risk and a lot of problems. Firstly, this paper defines the shadow banking system in our country and discusses the reasons of the rapid development of China’s shadow banks, and puts forward the corresponding regulatory direction and measures for several risk money bank of our country, is conducive to China’s shadow banking system more healthy development, better service to the entity economy.
Keywords： shadow bank; bank risk; supervision
