求助~写论文 影子银行的定义界定问题

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写的是影子银行风险与监管方面的。

1.就是现在新闻说的影子银行大多指的都是银行的表外业务，理财产品。
eg易宪容曾表示“只要涉及借贷关系和银行表外交易的业务都属于影子银行”。中国社科院金融研究所理财产品中心副主任袁增霆认为“中国的影子银行主要指银行理财部门中典型的业务和产品，特别是贷款池、委托贷款项目、银信合作的贷款类理财产品”。而新任证监会主席肖钢进一步认为“在中国，影子银行通常表现为理财产品、地下金融和表外借贷的形式”，直接把银行理财产品归为影子银行体系。




2.但也有许多学着抠字眼和定义，用国际对影子银行的定义，认为银行理财业务其实不属于影子银行。
eg 2011年4月金融稳定理事会(FSB)给出的定义，影子银行是“银行监管体系之外，可能引发系统性风险和监管套利等问题的信用中介体系。”他们认为银行理财产品 1.受监管 2.没有系统性风险。






这样界定就成麻烦事。小女子倾向于中国特色，应用第一个，在论文中大力阐述理财产品的风险。但是会不会有老师死磕第二种情况，一句“你写的根本不是影子银行”就推翻了。

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关键词：影子银行 子银行 写论文 银行理财产品 系统性风险 论文

人民银行调统司有一份报告，里面对中国的影子银行作了定义和分类。那份报告你在cnki上面搜得到。但我记得那份报告写得很枯燥，但对你下定义完全够了。标准普尔和旧金山美联储都在今年出了关于中国影子银行的报告，我觉得这两份报告是写得最有水平的。

kan kan

我来了解了解。

Perry Mehrling, Columbia University, defines shadow banking as “money market funding of capital market lending.”  This may or may not include banks.
Paul McCulley, PIMCO, defines it as “securitization-basedprivate money creation without a public backstop.”
影子银行的界定：
Perry Mehrling, Columbia University, defines shadow banking as “money market fu.pdf (215.42 KB)

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Mehrling_10012012(1).pdf (1 MB)

2013-8-29 12:45:37 上传

The modern shadow banking system, at its core, bears a surprising resemblance to the 19th
century
world that Walter Bagehot helped us to understand in his magisterial book Lombard Street:  A
Description of the [London] Money Market (1873).  At the heart of both worlds is the wholesale money
market, and operating as crucial liquidity backstop in both worlds is the central bank.  At the time
Bagehot was writing, this backstop function was not yet fully understood, much less accepted; much the
same could be said of the central bank’s backstop of the shadow banking system today.   

Is Shadow Banking Really Banking?
By Bryan J. Noeth and Rajdeep Sengupta

The term "shadow banking" has been attributed to 2007 remarks by economist and money manager Paul McCulley to describe a large segment of financial intermediation that is routed outside the balance sheets of regulated commercial banks and other depository institutions. Shadow banks are defined as financial intermediaries that conduct functions of banking "without access to central bank liquidity or public sector credit guarantees." 1 As shown in Figure 1, the size of the shadow banking sector was close to $20 trillion at its peak and shrank to about $15 trillion last year, making it at least as big as, if not bigger than, the traditional banking system.2 Given its size and role in the financial crisis, it would be useful to understand the mechanics of shadow banking. To do so, some basics of traditional banking need to be understood first.

Figure 1
Shadow Bank vs. Traditional Bank Liabilities

Shadow Bank vs. Traditional Bank Liabilties

谢谢亲们

谢谢亲们

涨姿势了

本身就是一个有争议的问题，如果老师问那样的问题，说明其本身水平有限