影子银行法律监管对策研究

Research on Legal Supervision of Shadow Bank

自2008年国际金融危机爆发以来,影子银行成为研究的热点,作为金融创新结果的影子银行应该是个动态发展的概念。基于金融创新的程度不高,中国影子银行的发展还处于初级阶段并具有中国特色。它是以银信合作、信贷理财和民间借贷等为表现形式。影子银行在促进金融发展的同时也有着潜在的风险,现行的法律法规对不同类型的影子银行监管存在诸多问题,只有通过完善法律监管,才能使其更好的为金融发展服务。

Since the international financial crisis in 2008, the shadow bank has become a hot issue in the field of research. Shadow bank, as the result of financial innovation, is bound to change constantly, so the concept of shadow bank should be dynamically developing. Since the degree of financial innovation is limited, the development of China＇s shadow banking, with Chinese characteristics, is still in its infancy. Shadow banks promote the financial development. At the same time, they are confronted with potential risks. Currently there are many problems in the supervision laws and regulations of shadow banks, and they will better serve for the development of finance only if we improve our superintendence of them.