影子银行的发展及其监管

周卫江

影子银行的发展及其监管

引用本文：周卫江.影子银行的发展及其监管[J].财经理论与实践,2012,(3):9-14

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作者	单位
周卫江	（四川大学经济学院，四川成都610042）

中文摘要:自上个世纪末以来，影子银行快速发展，资产规模已接近传统银行体系。影子银行的风险被认为是造成2008年全球金融危机的重要原因，各国和国际金融机构近年纷纷出台加强影子银行监管的措施，试图改变过去监管缺失的状态。和国外影子银行以资产证券化为核心不同，我国影子银行的主要功能是作为融资渠道。因此，我国要借鉴国外影子发展和监管的经验，正确看待影子银行的作用，引导其规范发展并将其作为银行体系的有益补充。

中文关键词:影子银行金融监管金融危机资产证券化

The Development and Regulation of Shadow Banking

Abstract:Since the end of last century，the shadow banking has developed rapidly and nearly reached the scale of the traditional banking system.The risk of shadow banking has been considerd as the key reason of the financial crisis in 2008. Governments and international financial institutions have taken measuers to enhance supervision and regulation of the shadow banking system in recent years to change the status of regulation vacuum. The main function of shadow bank in China is financing instead of securitization accured in foreign shadow bank. We should have the right attitude on the role of shadow banking and try to make it as the useful supplement of the regular banking system on the base of the foreign experience.

keywords:Shadow banking Financial regulation Financial crisis Securitization

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