我国影子银行风险的潜在影响及对策研究

Research on the potential impact and countermeasures of shadow banking risk in China

自2008年金融危机爆发以来,全球经济监管力度逐渐加强,而银行为了规避监管,开展新业务获取利润,逐渐向表外扩展业务以获得更高利润,影子银行应运而生,进入人们的视野。在不断的发展过程中,影子银行的业务活动不断向金融领域的各个层面渗透,不可避免地对我国经济的发展造成了巨大影响。由于影子银行自身存在透明度低、过度杠杆以及高度复杂的特征,会使风险积累,而影子银行与金融机构及金融市场具有很强的关联性,一旦受到负面影响,将使得影子银行体系产生波动,不加以监管以及防控,会引发系统性风险,乃至整个宏观经济衰退。因此本文以影子银行为研究对象,对其产生以及潜在影响进行分析,并提出针对性建议,规范影子银行发展,确保金融体系稳健运行,保障金融行业健康发展。

Since the outbreak of the financial crisis in 2008,global economic supervision has gradually strengthened.In order to cir cumvent supervision and develop new businesses to obtain profits,banks gradually expand off-balance sheet businesses to obtain higher profits.Shadow banking has emerged at the historic moment and has entered people’s field of vision.In the process of continuous develop ment,the business activities of shadow banking have continuously penetrated into all levels of the financial field,inevitably having a huge impact on the development of my country’s economy.Since shadow banking itself has low transparency,excessive leverage,and highly com plex characteristics,it will accumulate risks,and shadow banking has a strong correlation with financial institutions and financial markets.Once negatively affected,the shadow banking system will fluctuate.Supervision and prevention and control will trigger the occurrence of sys temic risks and even the overall macroeconomic recession.Therefore,this article takes shadow banking as the research object,analyzes its occurrence and potential impact,and proposes targeted suggestions to regulate the development of shadow banking,ensure the stable opera tion of the financial system,and ensure the healthy development of the financial industry.