CAJ | 학술논문

通过对我国影子银行发展状况及中小企业融资现状的阐述，在具体分析每个影子银行业务对中小企业融资的作用机制后，结果发现，非银行金融机构、民间借贷等影子银行是中小企业融资的重要来源，但其局限性决定其只能是中小企业资金的救急者，而传统商业银行、大型企业尤其是上市公司，逐渐与影子银行形成利益链条，极大地挤压了中小企业融资空间；我国影子银行整体蕴藏的系统性风险处于可控状态。
통과대아국영자은행발전상황급중소기업융자현상적천술，재구체분석매개영자은행업무대중소기업융자적작용궤제후，결과발현，비은행금융궤구、민간차대등영자은행시중소기업융자적중요래원，단기국한성결정기지능시중소기업자금적구급자，이전통상업은행、대형기업우기시상시공사，축점여영자은행형성이익련조，겁대지제압료중소기업융자공간；아국영자은행정체온장적계통성풍험처우가공상태。
It is necessary to define the scope of the shadow banking system based on the study of domestic and overseas when using the normative research method to discuss Chinese shadow banking system from the perspective of small and medium-sized enterprise financing. After the elaboration of the current situation of shadow banking and small and medium- sized enterprises and the analyses of each shadow banking business mechanism to the small and medium-sized enterprise financing, the results show that shadow banking such as non-banking financial institutions, folk credit is an important financing channel to the small and medium-sized enterprises, however there still have some limitations which determine it can only be small and medium-sized enterprises＂ emergency funds. At the same time, the traditional commercial banks and large enterprises, especially listed companies and shadow banking form the interest chain gradually, squeeze the small and medium- sized enterprises financing space greatly. There are stir problems of the small and medium-sized enterprises financing through the shadow banking system that remain to be improved and consummated.