CAJ | 학술논문

近些年来，我国影子银行迅猛发展，在一定程度上丰富和完善了我国金融市场，但与此同时，影子银行基于其自身高杠杆率、期限错配、高传染性的特点也导致风险不断地聚集，对我国维持已久的金融秩序带来了不安定因素。本文在众多学者研究的基础之上，通过对我国影子银行的规模与运行机制的论述，分析了我国影子银行体系中存在的风险以及可能产生的影响，进而提出系统、全面、分层次的监管对策，促进我国影子银行的监管，使之成为我国金融体系的有益补充。
근사년래，아국영자은행신맹발전，재일정정도상봉부화완선료아국금융시장，단여차동시，영자은행기우기자신고강간솔、기한착배、고전염성적특점야도치풍험불단지취집，대아국유지이구적금융질서대래료불안정인소。본문재음다학자연구적기출지상，통과대아국영자은행적규모여운행궤제적논술，분석료아국영자은행체계중존재적풍험이급가능산생적영향，진이제출계통、전면、분층차적감관대책，촉진아국영자은행적감관，사지성위아국금융체계적유익보충。
In recent years, the rapid development of China's shadow banks has enriched and improved our financial markets to a certain extent, but at the same time, the shadow banks based on their own charac?teristics of high leverage, maturity mismatch and high risk also lead to the constantly gathered risk, increas?ing unrest elements to China’s long-term financial order in China. Based on the research of many scholars, this article discussed the size of the shadow banks in China and their operating mechanism, analyzed the risks and potential impacts presented in the shadow banking system, and then proposed a systematic, com?prehensive, and layered regulation measures, promoting shadow banking supervision, making it a useful supplement to our financial system.