“中国式”影子银行业务的信用创造机制与风险防范

The Credit Creation Mechanism and Risk Prevention of the Business of Shadow Banking of "Chinese Style"

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.