中国影子银行系统的风险分析与监管策略研究

The Risk Analysis and Study of Regulatory Strategies of the Chinese-style Shadow Banking System

2008年美国金融危机以后,关于影子银行系统的问题逐渐浮出水面,受到国内外学者的广泛关注。影子银行系统不是传统意义上的商业银行,但是却具有商业银行的部分功能。近几年来,我国的影子银行系统发展很快,在整个金融系统中所占的比重也越来越高。影子银行系统在促进国民经济迅速发展的同时也会对国民经济的健康运行产生不良的影响。文章具体分析了中国式影子银行对我国宏观金融系统和商业银行产生的影响,根据中国式影子银行系统独立性不高并且处于初级阶段等特点,从宏观审慎和微观审慎两个方面研究了中国影子银行系统的监管策略。

After the 2008 financial crisis in the United States,problems of the shadow banking system began to e-merge,which attract scholars′attention both at home and abroad.Shadow banks are not the traditional banks,but they have some functions of commercial banks.In recent years,the Chinese shadow banking system develops rapid-ly,which accounts for more and more proportion in the entire financial system.The shadow banking system pro-motes the rapid development of the national economy while has some negative impact on the healthy operation of the national economy.This paper analyzes the Chinese -style shadow banks′impacts on commercial banks and the macro financial system.Based on the Chinese-style shadow banks′characteristics,which are low independence and at the preliminary stage,it studies the regulatory strategies from the macro-prudential and micro-prudential aspects.