摘要
影子银行是一种全新的信誉中介,独立于一般的银行系统之外,能够有效降低市场上的金融压力,为国内的中小型企业提供融资帮助,对于金融市场也具有良好的调节作用。但其仍有不足之处,如没有完善的监管体系、具有较高的金融风险、会减弱国家的货币政策的效用等。论文将简介绍影子银行的工作原理以及信用创造机制,研究国内影子银行发展中的风险,并提出与之相对应的建议措施。
Shadow- banking is a new- kind of credit intermediary, which is independent from the general banking system. It can effectively reduce the financial pressure in the market, provide financial help to domestic small and medium-sized enterprises, and play a good role in regulating financial market. However, it still has some shortcomings, such as the lack of a sound regulatory system, high financial risk and weakening the effectiveness of the national currency policy. The author will briefly introduce the working principle and credit creation mechanism of shadow- banking, research the risks in the development of domestic shadow- banking, and put forward some corresponding measures to deal withthem.
作者
孙於杰
SUN Yu-jie(Shanghai Lixin University of Accounting and Finance,Shanghai 200000,China)
出处
《中小企业管理与科技》
2018年第27期37-38,共2页
Management & Technology of SME
基金
上海立信会计金融学院大学生创新创业训练计划项目资助
项目编号:201711047031
关键词
影子银行
信用创造
风险防范
监管措施
shadow-banking
credit creation
riskprevention
supervision measures