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The influence of shadow banking on economic and financial development

2019-10-18 来源: 51Due教员组 类别: Paper范文

下面为大家整理一篇优秀的paper代写范文- The influence of shadow banking on economic and financial development,供大家参考学习,这篇论文讨论了影子银行对经济金融发展的影响。影子银行发展的过程中,经常有负载、资金搭配不合理的状况出现。以负载者角度分析,由于各个商业银行间存在着极度激烈的资金竞争,在监管结构影响下,会使其发展受到较大限制,因此,影子商品表现出了下滑的态势。以资产方角度分析,要想让企业得到更多经济利益,通常影子银行会向融资平台或是房地产中投入资金,该项目存在长期性的特点。在此状况下,一旦遭受特定限制,那么其风险性会进一步放大。现阶段的商业银行普遍使用资金池的模式。要想让资金池稳定运行得到保证,就要强化监督工作,防止由于流动性下降引发的风险。

In recent years, shadow banking in China has developed rapidly, which has affected economic and financial development to some extent. At present, there is no clear standard, regulation and definition of shadow banking, which makes the number and scale of shadow banking unable to be effectively determined and the risk is difficult to control. Because shadow banking is quite controversial, it has received extensive attention from various sectors. Therefore, it is of practical significance to study the influence of shadow banking on economic finance.

There is no accurate definition of the concept of shadow banking in China. According to the definition of the institute of finance of cass, shadow banking is the business between off-balance sheet business and lending of all Banks. China's banking regulatory commission estimated in 2018 that shadow banking had reached 16 trillion yuan, or about 2.6 trillion U.S. dollars. But a number of economic and financial experts say the true figure is much higher. Domestic shadow banking consists of two parts, one is not regulated banking securities activities, is the main representative collections, including financial leasing companies, financial companies, trust companies, such as guarantee of savings to investment business, the second is the folk not regulated financial, is the main representative pawnshops, folk lending, underground Banks, etc. On the whole, shadow banking has a great influence on economy and finance.

In the process of the development of shadow banking in China, there are often situations of unreasonable load and capital allocation. From the perspective of payers, due to the extremely fierce capital competition among commercial Banks, their development will be greatly restricted under the influence of regulatory structure, so shadow commodities show a downward trend. From the perspective of asset side, in order to let enterprises get more economic benefits, shadow Banks usually invest capital into financing platforms or real estate, which has long-term characteristics. In this case, the risk is amplified by a specific restriction. At present, commercial Banks generally use the model of capital pool. In other words, they concentrate different types of financial products together, and then put the funds in financial assets with different risks and different time into a capital pool. If the stable operation of the capital pool is to be guaranteed, supervision should be strengthened to prevent risks caused by the decline in liquidity.

At present, most of the funds of shadow banking in China are developing towards small and medium-sized enterprises with high returns and real estate, so as to effectively improve their economic benefits. Generally speaking, in the relevant economic system dominated by small and medium-sized enterprises, the capital obtained from shadow finance is first used to help the enterprise to obtain a large amount of economic profits, and then to help the enterprise to pay off a large amount of debt, so that it can get fast and good development. At the same time, shadow banking is the provider of funds and can get corresponding economic benefits from it. On this basis, the funds in shadow banking will show normal operation and stable development, with high benefits in each link. , however, some of the real economy enterprises exist many problems, because each are not identical, the problem of different enterprises and existing economy entered the stage of decline, if the enterprise operation is not flexible, the product cannot be sold in time, the consequences will be very serious, these companies can't within the prescribed time will pay high debt, which can lead to capital chain rupture.

Economists have carried out a large number of studies and found that shadow banking is one of the effective supplements in China's financial system, and there are a large number of shadow Banks, which have different degrees of influence on economic and financial development. In the current domestic financial system is not perfect, it is necessary to actively manage shadow banking. To achieve this, the following measures should be taken.

First, a shadow banking regulatory system should be established. By formulating and implementing the supervision and management system of shadow banking, the shadow development in China can be effectively standardized to reduce and avoid the appearance of various illegal operations, so that private finance can develop more reasonably and healthily. Second, the management of shadow banking should be strengthened. Relevant departments should carry out comprehensive and systematic management of shadow banking, have a dynamic and real-time grasp of the development status of shadow banking in China, implement statistics of various contents, and effectively record the number and scale of shadow banking, so that shadow banking can be fully managed. Finally, the development of shadow banking should be guided. Through the analysis of economic and financial development, it is not difficult to see that shadow banking has both positive and negative effects on economic and financial development. Therefore, it is necessary to carry out correct guidance to promote its development. Province, for example, in 2018 the shadow banking showed the problem of uneven development, relevant departments have been analyzed, found that the development of local shadow Banks too fast, and its internal structure and lack of rationality, financial product ratio is too big, make the development of venture capital is not enough, the reason of the problem in a clear, after the province actively guide the shadow banking development towards the direction of the health, prevent the occurrence due to shadow banking internal structure and the risk of shadow banking function get maximum play.

Conclusion: in a word, it is of great significance to study the influence of shadow banking on economy and finance. Relevant personnel to deal with an overview of the current domestic shadow Banks have a comprehensive understanding, recognize the term is not reasonable collocation cause liquidity risk, credit to reduce the economic and financial development, such as shortage of funds is affected by the shadow banking, and through the establishment of the shadow banking supervision system, strengthening the management of the shadow banking, to lead the way such as shadow banking development, to ensure stable, long-term development of domestic shadow Banks.

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