| Shadow banking,whose surface meaning refers to the shadow of Banks,is a real banking system with banking nature but not in the sense.The emergence and existence of shadow banking is not new in recent years,but it has not aroused people's attention.Since the outbreak of the financial crisis in 2008,it has come into people's eyes.People from all walks of life began to pay attention to it,and continuously found its disadvantages.Shadow banking is beneficial to supervision,and uncontrollable risks are the majority,so we want to standardize it and formulate regulatory measures.In the past two years,the financial supervision has been comprehensively contracted and standardized,so that the shadow banking system,which has been only increasing in the past few years,has also shown a downward trend.But everything has two sides,and shadow banking is no exception.Shadow banking also has a dual character,with a positive side: its existence brings convenience to the development of small and medium-sized enterprises in financial financing,and makes the economy benefit to some extent.There is also a downside:inadequate regulation,high leverage and rising risks.Therefore,on the supervision of shadow banking,we should not just ban it,but make a regulatory system that is suitable for the development of shadow banking according to its characteristics,give full play to its positive role,and actively reduce the negative role of shadow banking.It is necessary to clarify the supervision institutions of shadow banking and formulate relevant laws and regulations to ensure the supervision of shadow banking.In this paper,the first chapter is an overview of the shadow banking,first concept part of the reference of various introduction to the definition of shadow banking,on the one hand,from the international classification of shadow banking,again citing financial council and the State Council no.107 to the definition of shadow banking to explain,second development,this paper expounds the formation causes of shadow banking and shadow banking how to generate his produce what kind of impact on today's economy,and how its development.Then it introduces the legal characteristics of shadow banking,which are mainly reflected in the negative aspects.In the second chapter,the author mainly introduces the current supervision state of shadow banking and the problems in current supervision.China's supervision of shadow banking has never paid much attention to the current strict management,which reflects that financial supervision institutions pay more and more attention to the disadvantages of shadow banking,and try their best to control the disadvantages of shadow banking without limiting its advantages and development.There are still many deficiencies in the supervision of shadow banking,but it will be gradually supervised in all aspects.The third chapter is about the understanding of the shadow banking regulatory measures and draw lessons from abroad,the U.S.financial crisis of 2008 because of no on the shadow banking supervision,shadow Banks abroad than domestic development earlier,so the disadvantages of his earlier than domestic also appear,so in the shadow banking regulation than domestic also more perfect,we need to according to current situation of the development of the shadow banking in China and combining with foreign regulatory measures,formulate suitable for the development of the shadow banking in China regulation.The fourth chapter is the suggestion to perfect the shadow banking supervision system in our country.This article advice from should strengthen the supervision of definition of shadow banking and clear regulation which business,from the sound system of laws related to establishing and perfecting information disclosure system,establish information collection and sharing platform,improve the market access and exit mechanism,perfecting laws and regulations construction market access and exit mechanism construction of laws and regulations of the right of perfecting suggestion. |
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