Research On The Legal Supervision Of Shadow Banking In My Country

The emergence and development of shadow bank is in line with the law of economic development.It has played a positive role in meeting the needs of real economy investment and financing,enriching the supply of financial products,promoting the marketization of interest rates,etc.,but it also has risks.Therefore,before encouraging shadow bank to provide credit to the units that need financing,and protecting financial stability and seeking balance between investors,we should We should formulate and implement a series of effective regulatory laws and regulations and regulatory models to prevent the risk of shadow banking itself and the damage to other industries.This paper,through in-depth exploration of shadow banking,summarizes its connotation,characteristics and risks,and intends to point out the necessity of supervising shadow banking.It also analyzes the current situation of shadow banking legal supervision in China,compares it with the legal supervision reform of shadow banking in developed countries in Europe and the United States and international organizations,and suggests that we should learn from the experience of these regulatory reforms in an effort to China has found an all-round,three-dimensional and effective reform path of shadow banking supervision,which is in line with China’s basic national conditions and development status.The first part outlines the basic problems of shadow banking,mainly on the connotation and characteristics of shadow banking,as well as the definition of shadow banking by international organizations and developed countries in Europe and America.First of all,it introduces the most basic situation of shadow banking,and then puts forward the author’s understanding of the connotation of shadow banking.Then it analyzes the potential risks in the operation and development of shadow banking,and finds that the risks mainly include business risk,credit risk and liquidity risk,which lays the foundation for the discussion of the core theme "supervision" in the following.Then,it discusses the necessity of strengthening the supervision of China’s shadow banks by exploring the reasons that China’s shadow banks are good at taking advantage of regulatory loopholes to obtain profits and the internal control is relatively weak.The second part discusses the current situation and existing problems of legal supervision in China.Based on the detailed description of the current legal system of shadow banking supervision in China,this paper makes an in-depth analysis from the following two aspects:first,it explores the actual situation of the legal supervision of shadow banking in China,which includes the actual environment of the legal supervision of shadow banking in China and the current laws and regulations of shadow banking supervision in China;second,it analyzes the existing legal supervision of shadow banking in China Through the analysis of the problems,it is concluded that the supervision of shadow banking is not in place due to the unclear boundaries of the subject and object of supervision,unscientific supervision concept and mode,multi supervision,imperfect supervision legal system of shadow banking,imperfect information disclosure system,inaccurate definition of supervision objectives and poor industry self-regulation.In the third part,the author deeply discusses the relevant regulations of foreign shadow banking legal supervision system.Through comparative analysis,this paper takes the United States and the United Kingdom in the developed countries in Europe and the United States,the financial stability Committee in the international organizations and the European Union as the research objects,analyzes,compares and summarizes the experience of the reform of the shadow banking regulatory legal system,and tries to learn from it the experience of the regulatory reform in China,so as to promote China’s shadow banking based on its own national conditions Reform of legal supervision system of subsidiary banks.The fourth part puts forward the countermeasures to improve the shadow banking supervision legal system of our country through the detailed exploration of the three parts.It is suggested that the legal system of shadow banking supervision in China should be comprehensively reformed by changing the concept of supervision,improving the legal supervision system of shadow banking,formulating and implementing the risk early warning mechanism and other specific measures of supervision.