导　　师： 潘成夫;郑志瑛

学科专业： 0251

授予学位： 硕士

作　　者： ;

机构地区： 广东财经大学

摘　　要： 随着对金融危机研究的深入，学者们发现影子银行是造成这一金融海啸的主要诱因之一。这个在2007年才提出的新名词引起了学者的广泛关注，同样也受到了监管部门的高度重视。这个以证券化为载体，能为市场提供大量的流动性，却具有明显的隐蔽性的金融创新，逐渐被西方国家纳入监管范围。由于，我国特殊的金融市场环境，造成我国影子银行的独特性。在我国，商业银行影子银行业务占有举足轻重的地位。因此，对商业银行影子银行业务影响因素的分析，在理论上有助于深入认识我国的影子银行，而且在现实上对影子银行的监管也同样具有非常重要的意义。 本文在分析我国商业银行具体的影子银行业务的基础上，通过理论层面阐述监管、利率、通货膨胀率和广义货币量对我国商业银行影子银行业务的影响。并以南京银行为例对上面的理论分析进行验证。结果表明，利率对我国商业银行影子银行业务没有实质性的影响，监管、通货膨胀率和广义货币供应量都会对商业银行影子银行业务产生影响。 With the research of the financial crisis deepening, scholars have found that the shadowbanking is one of the main incentives of the financial tsunami. The new term proposed in2007was caused widely attention by scholars, also by the regulatory authorities. The shadowbanking is a kind of innovation.It uses securities as tools.It can provide the market with alot of liquidity, but has obvious concealment. So Western countries have been graduallyincorporated it into the scope of regulation. Because, our exceptional financial marketenvironment, resulting in our shadow banking unique. In China, commercial bank’s shadowbanking business occupies a pivotal position. Therefore, analysis the factors of thecommercial banks shadow banking business, both important for the theoreticalunderstanding of China's shadow banking, and the shadow banking supervision inreality.Based on the analysis of Chinese commercial bank’s shadow banking business. Ontheoretical level, I analysis the factors of the commercial banks shadow bankingbusiness,such as regulation, interest rates, inflation and broad money supply. Then Bank ofNanjing as an example to validate the above theoretical analysis. The results show thatinterest rates has no impact on China's commercial bank’s shadow banking business, butregulation, inflation and broad money supply have.

关 键 词： 影子银行业务 理财产品 实证研究 影响因素

分 类 号： [F832.2]

领　　域： [经济管理]