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| 我国商业银行影子银行业务发展模式与风险探究 摘要：2008年国际金融危机以后，我国影子银行应运而生并且其规模不断扩大。商业银行作为我国影子银行体系的核心，主要通过从事影子银行业务规避监管进行监管套利行为。近几年随着影子银行业务的弊端逐渐显露，监管部门出台了一系列监管条例来规范影子银行现有模式。本文阐述了中国式影子银行的特殊性，并指出我国影子银行业务发展的三个不同阶段，在这三个阶段中商业银行相继通过银信合作、同业代付业务、买入返售业务、同业存单质押收益权投资业务等形式进行监管套利行为。分析得出这些影子银行业务给我国商业银行带来了信用风险以及流动性风险，进而使商业银行的系统性风险攀升，并根据以上风险提出了对策建议。 关键词：影子银行；商业银行；监管套利；风险防范 The Development of Shadow Banking in China and Its Impact on Commercial Banks Abstract: After the 2008 international financial crisis,China's shadow banking emerged and continued to expand, accounting for an increasing proportion of commercial banks' business structure. As the core of China's shadow banking system,commercial banks mainly evade supervision by engaging in shadow banking business. In recent years, as the shortcomings of shadow banking have gradually emerged,supervisory authorities have issued a series of regulations to regulate the existing model of shadow banking. This paper describes the peculiarity of Chinese shadow banking,and points out the three different stages of the development of China's shadow banking business.In these three stages, commercial banks have evaded supervision through cooperationbetween a bank and a trust company, interbank payment business, buy-back business,interbank depository receipts pledge yield right investment business and other forms. The analysis concludes that these shadow banking activities have brought credit risk and liquidity risk to commercial banks in China,thus increasing the systemic risk of commercial banks, and suggests countermeasures based on the above risks. Keyword: shadow banking; Commercial Bank; Regulatory Arbitrage; Risk Prevention; |
