影子银行(民间借贷类)风险分析与模型

Risk Analysis and Model of Shadow Banking(Private Lending)

近期我国影子银行主要是民间借贷类的网贷P2P(Peer-to-Peer lending),或称个人对个人信贷与一些小贷、担保等公司的风险高发现象,其特征是突发性强,传染性快,发生后投资者想挽回损失已晚,导致社会群体事件不断发生.风险表现为:P2P融资中介平台变异为银行,信用风险突出;平台担保机构自身难保,道德风险频发;平台"资金池"无水,产生流动性风险;假银行现身,出现机构风险.该文分析了风险产生的原因,提出了适合民间借贷类影子银行的风险管理模型和风险防范对策.

Recently,China＇s shadow banking is mainly a net loan of private lending P2 P,small loans,guarantees and other high risk of the company,which is characterized by sudden strong,contagious,and investors want to recover after the loss has been late,leading to social groups incidents continue to occur.Risk：P2Pfinance intermediary platform variation for banks,credit risk is outstanding;platform guarantee agencies themselves,moral risk prone;platform ＂pool of funds＂anhydrous,resulting in liquidity risk;fake bank appeared,institutional risk.This paper analyzes the causes of the risk,and puts forward the risk management model and risk prevention strategy for the shadow banking.