影子银行监管比较分析——兼论中国影子银行法律规制

Comparative Analysis of Shadow Bankings' Supervisions and Legal Regulations of Shadow Bankings in China

影子银行泛指一切游离于正规银行体系外,进行信用中介活动的实体或业务,影子银行被视为2008年世界经济危机元凶。美国、英国、G20集团皆设立统一职权的监管机构,确立审慎监管理念,加强新型金融产品管控与信息披露,防范影子银行监管套利与潜在风险。中国影子银行逐渐兴起,但监管松散、保守、陈旧,既不利于防范风险,也不利于新型金融市场发展,可借鉴欧美经验,构建合理的金融监管模式。

Shadow bankings are defined as the financial institutions conducting credit intermediary activities which are outside the conventional banking system.They are also regarded as the culprits of 2008 world economic crisis.In order to prevent the potential risks of shadow bankings U.S,U.K and G20 Group all set up unified regulatory agencies to establish the concept of prudential regulatory philosophy,and strengthened management of new financial products.Shadow bankings in China are gradually rising.But their regulations which are inattentive,outmoded and conservative can not match with the modern financial market.China can learn from the experience of Europe and U.S so as to establish a reasonable model of financial supervision.