影子银行发展对商业银行的影响研究.pdf

影子银行发展对商业银行的影响研究 [摘要] 自2010 年以来，我国影子银行快速发展，金融产品不断创新，金 融脱媒的趋势愈加明显，加上利率市场化的推进，商业银行的经营环境更为严 峻，商业银行依赖传统信贷的经营模式受到冲击。我国的影子银行与商业银行 之间有着非常密切的联系，如影子银行业务受到了商业银行的流动性支持和隐 性担保等，且二者业务相互交织，这种紧密联系使得影子银行的风险极易传递 给传统商业银行。文首先介绍影子银行的相关概念以及我国影子银行的现状特 征，接着分析影子银行对商业银行产生的影响，最后提出规范影子银行健康发 展的建议。 [关键词] 影子银行；商业银行；金融创新；中间业务； The Research on the Influence of the Development of Shadow Banking on Commercial Banks Abstract: Since 2010, China shadow banking has grown rapidly, financial products have continued to innovate, and the trend of financial disinter mediation has become more pronounced. With the advancement of interest rate liberalization, commercial banks operating environment has become more severe, and the business model of commercial banks relying on traditional credit has been affected. Impact challenge. China shadow banking and commercial banks have a very close relationship, such as the shadow banking business has received liquidity support and implicit guarantees from commercial banks. shadow banking and commercial banks businesses are intertwined. This close connection makes the risk of shadow banking easily transmissible to traditional commercial banks. The article first introduces the related concepts of shadow banking and the current characteristics of China shadow banking, then analyzes the impact of shadow banking on commercial banks, finally proposes suggestions for regulating the healthy development of shadow banking. Key words: shadow banking； commercial banks； financial innovation； intermediate business; 目 录 一 引 言 4 二 影子银行概述 4 （一）影子银行定义4 （二）影子银行类型4 （三）影子银行现状特征 5 三 影子银行对商业银行的影响 7 （一）影子银行对商业银行业务的影响 7 （二）影子银行对商业银行盈利的影响