摘要
虽然影子银行已经成为我国金融法律实践中的重要现象,但受制于各种原因,学术界并未给予该现象以足够的对待。然而,一旦缺乏足够的理论研究,那么影子银行当中必然蕴含的各种金融风险——信用风险、流动性风险以至于系统性风险,必然会因为缺乏有效的金融监管体系,不但会在中国出现,而且也有机会引发美国式的整体金融危机。因此,无论是理论上还是实践上,都有必要仔细讨论影子银行的概念,以及其得以在中国产生的社会背景和经济原因;而且,也只有明确这些方面的问题,才能设计出一套行之有效的监管机制,尤其是以法律规制为中心的金融监管机制。与此同时,由于美国在长期的实践中已经形成了完整的理论与有效的制度设计,因此运用比较法学的研究方法,借鉴美国的理论和实践的做法无可避免。
Although shadow banking became an important issue in China financial and legal practice, it hasn ~t attached enough research in academic world. If there is not sufficient theoretical analysis on shadow banking, certain risks comprised in shadow banking system, such as credit risk, liquidity risk and systemic risk, not only caused the systemically financial crisis in American, also will occur in China financial system. Therefore, it is necessary to explicate the definition of shadow banking out of practical and theoretical consideration, discuss shadow banking's forming background and economic reasons as well. Moreover, it is possible for the regulators to propose a series of enforceable financial regulation mechanism, only when we clarify those fundamental issues, especially focusing on the legal regulation. Furthermore, regarding shadow banking, American has accumulated abundant experiences, theories and regulations, it is evitable this article applies comparative jurisdiction research method to learn lessons from the American experi- ence.
出处
《河北法学》
CSSCI
北大核心
2015年第8期2-17,共16页
Hebei Law Science
关键词
影子银行
合规
金融监管
存款保险
功能性监管
shadow banking
compliance
financial regulation
deposit insurance
functional regu- lation