法学院知识库

随着我国金融自由化的推动和金融科技的蓬勃发展，影子银行的规模也随之扩大。它的出现有效缓解了中小企业融资难的问题，促使部分业务主体融资成本过高的情况有所改善。但在迅速发展的同时也隐藏着不同程度的风险，有的影子银行体系因其业务结构复杂会产生监管套利的现象，也可能因资源配置不合理产生系统性风险。因此对影子银行的监管应予以重视，然而我国对影子银行的监管理念落后于金融创新，监管主体的边界也不清晰，监管模式缺乏协调性，所以政府监管部门应始终保持居安思危的意识，加强宏观审慎监管及微观审慎监管相结合，从多方面进行协调，增强识别风险和解决问题的能力。

在本文中，运用了文献分析法、比较分析法、案例分析法等研究方法，大体分为绪论、正文、结语三个部分，正文又分别从四个部分进行论述。首先，对影子银行的概念及特征进行了论述，并大致列出影子银行与传统银行的区别与联系，以及对监管影子银行的必要性进行了阐述；其次，对影子银行监管过程中出现的问题进行探讨，通过对我国影子银行监管现状进行分析，可以发现影子银行的立法方面存在缺陷，监管的模式与影子银行的运行现状不相匹配，监管的主体范围也没有明确界定，监管机制不协调等问题；再次，论述了域外国家对影子银行的监管方式，得到了有利于我国影子银行监管的经验启示；最后，提出完善我国影子银行法律监管的建议，主要从完善影子银行的立法体系、转变影子银行的监管理念、明确我国影子银行的监管主体及任务、完善影子银行的监管措施等方面进行阐述。

With the promotion of financial liberalization and the vigorous development of financial technology in China, the shadow banking appears and has been expanded subsequently. Its appearance has effectively alleviated the financial difficulties for small and medium-sized enterprises, and sucessfully lowered the financial costs of some business entities. However, varied degrees of risks arise with the rapid development of the shadow banking. Some shadow banking systems, for example, are faced with the regulatory arbitrage due to their complex structure of their business; there are still some shadow banking systems that meet a systemic risk because of an unreasonable resource allocation. Therefore, more attention should be paid to the supervision of the shadow banking. Yet, in light of a less defined concept of supervision of the shadow banking, an unclear boundary of the supervision subject, and lack of cooperation between macro and micro-supervision, it is necessary to explore the supervision of the shadow banking. It is hoped that the government supervision department should always be prudent in the superision of the shadow banking and strengthen the cooperation between macro and micro-supervision from multi-aspects. These measures taken aim at enhancing the ability to identify risks and solve problems.

This paper adopt the literature analysis method, comparative analysis method, case analysis method and other research methods and the like. With these methods conducted, the paper is divided into three parts: an introduction, a main content, and a conclusion. Those the main content is specifically structured into four parts. First, it discusses the concept of the shadow banking, and outlines the differences and connections between the shadow banking and traditional banks, as well as the necessity of supervising shadow banking; second, it discusses the problems that arise out of the process of shadow banking supervision. Through the analysis of the situation of shadow banking supervision, it can be found that there are deficiencies in the legislation of shadow banking. That is, the supervision model is not fitted with the operating status of the shadow banking, the area of supervision is not clearly defined, and the supervision mechanism is not coordinated. Then, it discusses the supervision methods of shadow banking in foreign countries, from which some experience and enlightenment that is conducive to the supervision of shadow banking in China are elicited. Finally, several measures are suggested to improve the legal supervision of the shadow banking. Specifically, the concept hidden behind shadow banking should be transformed; the legal system and supervision measures of shadow banking should be improved; the tasks of the shadow banking supervision should be clarified and specified.