中文摘要发生在2008年的全球性金融危机对世界主要的经济体都造成了不同程度的负面影响，危机对经济造成的破坏至今都没有被彻底修复。作为引发危机的重要因素，影子银行引发了各国政府和金融监管机构的高度重视。中国影子银行系统和由于金融行业竞争而催生的美国影子银行体系不同，2008-2010年间，我国持续添加了无数影子银行，主要原因是因为政府颁布的货币政策没有保持在一个稳定值。影子银行借贷规模迅速扩张的同时带来的风险也逐渐显现出来，如何对影子银行进行监管已刻不容缓。本文通过对我国影子银行体系的研究，发现并分析其存在的风险，在借鉴国际上对影子银行的监管经验的同时，结合我国金融市场现状，提出相应对策建议。关键词：影子银行；风险分析；金融监管ABSTRACTGlobalfinancialcrisisin2008havecauseddifferentdegreeofnegativeeffectsontheworld'smajoreconomies.Damagestotheeconomystillhavenotbeenthoroughlyrepaired.Asanimportantfactorofthiscrisis,shadowbankinghascausedtheattentionofthegovernmentandfinancialsupervisioncenter.UnliketheUSshadowbankingsystemwhichisspawnedoutofthefinancialindustrycompetition,thegrowthoftheshadowbankinginChinabetween2008and2010istheresultofgovernmentsuccessivelylooseningandtighteningmonetarypolicy.Withtherapidexpansionofthesizeoftheshadowbankinglending,therisksaregraduallyrevealed.Howtocarryontheregulationontheshadowbankingisurgentlyrequired.Therefore,thispaperstudiesonChina'sshadowbankingsystemtoidentifyandanalyzetherisks,drawslessonsfrominternationalexperienceontheshadowbankingregulation,andatthesametimeconsideringtherecentfinancialmarketinChina,putsforwardthecorrespondingcountermeasuresandsuggestions.Keywords:Theshadowbanking;Riskanalysis;Financialregulation目录我国影子银行风险研究................................................................................................................1一、绪论......................................................................................................................................1二、影子银行的定义及特点......................................................................................................2（一）影子银行的定义........................................................................................................21.国外学者对影子银行的界定..................................................................................32.国内学者对影子银行的界定..................................................................................3（二）影子银行的特点......................................................................................................4三、我国影子银行的产生及发展现状........................................................................................5（一）我国影子银行的形成背景........................................................................................5（二）我国影子银行的发展现状......................................................................................6四、我国影子银行的风险及监管分析......................................................................................7（一）我国影子银行的潜在风险......................................................................................71.期限错配导致违约风险增加....................................................................................72.对宏观调控及货币政策传导造成冲击....................................................................73.银行隐性担保加大风险隐患..................................................................
