Research On The Supervision System Of Shadow Banking In China

Shadow banking,as the name implies,is not a bank in essence,but it has the business and function of similar Banks.In 2008,the United States experienced the subprime crisis,and the U.S.subprime crisis was attributed to the unsupervised shadow Banks.In the wake of the financial crisis,regulators and academics began to focus on the humble shadow Banks.As far as our country is concerned,with the deepening of the market economy system and the shadow banking of financial innovation,it also expands rapidly.China is no exception.The economy is growing faster and the shadow Banks are growing in size and form.Shadow banking has also attracted more and more attention,which has attracted the attention of financial regulators.Shadow banking has dual characteristics: on the one hand,financial innovation can promote financing and active trading,on the other hand,it is the product of avoiding laws and regulatory arbitrage.On the one hand,there is a huge market demand for financing,and on the other hand,the financial risks can be amplified without limit.Therefore,shadow banking supervision in the process,the regulation principle and regulation,cannot blindly ban,the reason is that the shadow Banks are now in a market economy has its positive role,regulatory agencies to regulate in a reasonable scope,in order to guard against the risk on the basis of the strengths of the shadow banking,maximize the effect of it.In this paper,starting from the definition of shadow banking,in the shadow banking regulatory status quo on the basis of the analysis of problems of shadow banking supervision,and targeted puts forward related Suggestions,so as toeffectively control the risk of the shadow banking play its positive role,to further safeguard the financial stability and financial security.The first chapter is about the definition of shadow banking and why to monitor it,namely the necessity of shadow banking supervision,in other words,what are the shadow banking risk need to guard against financial institutions.As for the definition of shadow banking,it is also said that different institutions have different understandings of shadow banking.In this article,the authors are cited by the financial stability board,the federal reserve,and the definition of shadow banking system of the state council,and comparative analysis,it is concluded that the author's understanding of shadow banking.The second chapter introduces the current situation and problems of shadow banking supervision in China.With the advent of strict supervision of shadow banking,financial regulators attach great importance to shadow banking supervision.Though the bank of China banking regulatory commission and the China insurance regulatory commission merger to the insurance supervision and administration commission,but did not fundamentally change the supervision model of supervised respectively,is not conducive to the shadow banking regulation is more and more mixed management.Carefully explore the reason for difficulties in shadow banking supervision,will find that is comprehensive,from regulatory concept,related regulatory mechanism,to shadow banking regulatory laws and regulations is not sound and need careful analysis.The third chapter is the suggestion to improve the legal system of shadow banking supervision.From the perspective of changing the concept of supervision,improving the laws.