Research On Supervision Construction Of The Legal System On Our Shadow Banks

Subprime crisis erupted in 2008 by the United States began to spread rapidly to global became worldwide financial crisis, which makes the new term "shadow banking" overnight aroused people’s attention, at the same time also make regulators fully aware of the shadow banking in the important position of the global financial crisis. Shadow Banks make huge destruction of the U.S. financial market stability, also further evolution speed makes the global financial crisis. So countries should fully realize the importance of construction of shadow banking legal supervision system, as the focus of regulatory reform. In recent years, along with our country to implement financial service the real economy, deepening financial innovation, the shadow Banks quickly produce and development of our country, the scale expands unceasingly, more diverse forms. However, China’s shadow banking on the content, size, risk has a distinctive "Chinese characteristics", and in the international financial community shadow banking there are big differences. Shadow banking in our country because of its running mode to borrow short and lend long way, opaque, features such as high leverage, high profit, at the same time, free from the traditional commercial bank supervision system, lead to shadow banking easy to trigger a systemic risk and regulatory arbitrage, the phenomena of once the risk occurs, the consequences will be unimaginable. Regulatory authorities in our country must keep a clear head, therefore, to realize the shadow banking has "double-edged sword" characteristic, the regulation to take prudent attitude, in the protection of its, on the basis of systemic financial risk, and not excessive regulation, to encourage financial innovation, so as to safeguard our financial system stability, health, prosperity and development. This paper to build shadow banking supervision legal system in our country as the research subject, along the thread of the shadow banking, take: "the general theory, a concrete analysis, perfect Suggestions" train of thought of research, research on building shadow banking supervision legal system in China is a realistic significance.This paper expounds in detail the meaning of the shadow banking in our country, the function and the risks of China’s economy, and combining with China’s specific national conditions and current situation of the development of the financial system, summed up the development of China’s shadow banking regulation law of general situation and the main problems, and concluded the necessity of strengthening legal supervision, the outside the developed country and the advanced international level do reform experience, summed up the experience is worth our learning the advanced system, on the basis of the further study of the creative of the shadow banking supervision legal system in China is proposed specific measures, want to be able to regulate the development of the shadow banking in our country, to give full play to their positive role, prosperity of the financial system in our country.