CAJ | 학술논문

2008年美国金融危机以后，关于影子银行系统的问题逐渐浮出水面，受到国内外学者的广泛关注。影子银行系统不是传统意义上的商业银行，但是却具有商业银行的部分功能。近几年来，我国的影子银行系统发展很快，在整个金融系统中所占的比重也越来越高。影子银行系统在促进国民经济迅速发展的同时也会对国民经济的健康运行产生不良的影响。文章具体分析了中国式影子银行对我国宏观金融系统和商业银行产生的影响，根据中国式影子银行系统独立性不高并且处于初级阶段等特点，从宏观审慎和微观审慎两个方面研究了中国影子银行系统的监管策略。
2008년미국금융위궤이후，관우영자은행계통적문제축점부출수면，수도국내외학자적엄범관주。영자은행계통불시전통의의상적상업은행，단시각구유상업은행적부분공능。근궤년래，아국적영자은행계통발전흔쾌，재정개금융계통중소점적비중야월래월고。영자은행계통재촉진국민경제신속발전적동시야회대국민경제적건강운행산생불량적영향。문장구체분석료중국식영자은행대아국굉관금융계통화상업은행산생적영향，근거중국식영자은행계통독립성불고병차처우초급계단등특점，종굉관심신화미관심신량개방면연구료중국영자은행계통적감관책략。
After the 2008 financial crisis in the United States,problems of the shadow banking system began to e-merge,which attract scholars′attention both at home and abroad.Shadow banks are not the traditional banks,but they have some functions of commercial banks.In recent years,the Chinese shadow banking system develops rapid-ly,which accounts for more and more proportion in the entire financial system.The shadow banking system pro-motes the rapid development of the national economy while has some negative impact on the healthy operation of the national economy.This paper analyzes the Chinese -style shadow banks′impacts on commercial banks and the macro financial system.Based on the Chinese-style shadow banks′characteristics,which are low independence and at the preliminary stage,it studies the regulatory strategies from the macro-prudential and micro-prudential aspects.