中国影子银行发展及治理研究——基于监管实践视角

影子银行一度成为我国金融领域最突出的风险点。为防止其演变成系统性金融风险,我国金融监管部门及时采取措施,持续规范整治,治乱化险工作取得积极成效。文章系统地总结梳理了我国影子银行的发展变迁及治理成效,同时结合具体实践案例,揭示了现阶段我国影子银行存在的问题和潜在风险。最后,文章围绕完善中国特色影子银行监管体系,对加强金融风险监管,深化金融改革提升服务实体经济质效,促进行业高质量发展等方面,提出了三点政策建议。

Shadow banking system once became the most prominent risk point in China's financial field.In order to prevent it from evolving into systemic financial risks,China's financial regulatory authorities have taken timely measures,continuously regulated and rectified it,and achieved positive results in the work of rectifying chaos and transforming insurance.This paper systematically summarizes the development and changes of China's Shadow banking system and their governance effects,and reveals the problems and potential risks of China's Shadow banking system at this stage in combination with specific practical cases.Finally,focusing on improving the Shadow banking system supervision system with Chinese characteristics,the paper puts forward three targeted policy recommendations for persistently strengthening supervision to prevent and control financial risks,deepening financial reform to further improve the quality and efficiency of serving the real economy,and promoting highquality development of the industry.