中国式影子银行与欧美国家影子银行的区别及对我国金融秩序的影响

摘要

The shadow banking has instead of the tradional commercial banks to credit creation function and providing of capital financing for the society.There are significant differences between Chinese shadow banking system and European and American shadow banking system on the aspect of banking business and supervision.The Chinese shadow banking system helps small and medium enterprises to solve the financing problems.However,to some extent,it weakens the effectiveness of monetary policy and leads to the accumulation of financial risk.We should establish and improve the banking supervision mechanism and pro-mote the sustainable development of Chinese shadow banking system.%影子银行代替传统商业银行行使信用创造功能，为满足社会创造货币资金融资需求具有重要作用。中国式影子银行与欧美国家的影子银行在银行业务与监管等方面存在明显差异。中国式影子银行帮助了大量中小企业解决融资难题，但一定程度上削弱了货币政策效力，容易造成金融风险累积。我国应建立健全影子银行监管机制，促进中国式影子银行可持续健康发展。