摘要
I
摘要
自从 2007 年保罗·麦卡利（Paul McCulley）先提出影子银行的概念，并在
2008 年金融危机中被认为是重要的推动因素以来，国内外学者也是对影子银行
的定义众说纷纭。随着影子银行系统在全球金融市场中大行其道，中国式影子银
行迅速膨胀，逐渐引起各国学者和监管层的广泛关注

影子银行又称影子银行体系(The Shadow Banking System)，是指那些行使
着银行功能却不受监管或少受监管的非银行金融机构及其工具和产品。本文通过
对近几年国内外研究成果的总结，重点结合影子银行业务在中国的发展实际和国
务院“第 107 号文”，对中国式影子银行的定义、运行机制和组成形式进行了梳
理；并通过大量实证数据和图表展示了近年来中国式影子银行业务的发展

同时由于影子银行系统的日益壮大使其在金融系统中的地位不断提高,相应
地，影子银行系统对商业银行和货币政策等方面也表现出日益强大的影响力，其
对金融系统的发展既有积极作用又有消极作用。虽然影子银行系统容易积聚系统
性风险，并给金融市场带来不稳定因素，但考虑到影子银行系统在调节流动性、
增强盈利性、完善信用中介供给、满足投融资者的需求等方面的积极作用，本文
认为我们仍然应理性看待这一现象，正确的引导影子银行发展，合理处理金融创
新与金融监管的关系，循序渐进的推进金融产品创新。建立以“规范化”为主的有
效的影子银行监管体系对策，完善影子银行内控机制，并建立影子银行与商业银
行之间的防火墙，来防范和规避风险。同时加强信息披露制度，建立覆盖影子银
行的法律法规，以促进金融业向服务业全面转型

关键词 影子银行；商业银行；民间金融；金融监管Abstract
II
Abstract
Since Paul McCulley first proposed the concept of Shadow Banking in 2007, it is
considered as an important motivating factor in the financial crisis in 2008.Scholars
also had different opinions on the definition of Shadow Banking. As the Shadow
Banking System became popular in the global financial markets, Shadow Banking has
expanded rapidly in Chinese style, attracting worldwide attention of scholars and
regulators gradually.
Shadow Banking,which is also known as the Shadow Banking System. It is
non-bank financial institutions and their tools as well as their products that exercised
functions of banking but are not regulated or less. This paper focus on the actual
development of Shadow Banking in China, with basis of summarizing the research
results domestically and abroad in recent years. Also it sorts out the definition,
operation mechanism and composition of Chinese-style Shadow Banking and
indicates the scale of development on Chinese-style Shadow Banking with a lot of
empirical data and charts.
And due to the increasing advancement of the Shadow Banking System, it has
continuously made its improvement of status in the financial system, and accordingly,
Shadow Banking System showed an increasingly powerful influence on commercial
banks and monetary policy, it also has both positive and negative effects on the
development of the financial system. The Shadow Banking System is easily subject to
the accumulation of systematic risk, bring its instabilities to the financial market.
However, considering the Shadow Banking System played an active role in the
regulation of liquidity, profitability enhancement, improvement of supply on credit
intermediaries as well as meeting the needs of investors and financiers, we should still
look upon this phenomenon rationally, give proper guidance to the development of
Shadow Banking, deal with the relationship between financial innovation and
regulation reasonably and promote the innovation of financial product. Establish a
normalized based regulatory system countermeasures towards Shadow Banking,Abstract
III
perfect internal control mechanism of Shadow Banking. And build a firewall between
shadow banks and commercial banks in order to prevent and avoid risks. While
strengthening information disclosure system, laws and regulations of the Shadow
Banking would be issued to promote exhaustive transformation of financial and
service industries.
Key words: Shadow Banking System； Commercial Bank；Informal Finance；
Financial Regulation目录
IV
目 录
摘要I
Abstract.......II
第一章 绪论........... 1
第一节 选题背景和意义....1
一、 选题的背景..........1
二、 研究影子银行的意义......3
第二节 国内外文献综述....4
一、 国外文献综述......4
二、 国内文献综述......5
第二章 影子银行概述.......8
第一节 影子银行的定义....8
一、 影子银行在国外的定义..8
二、 影子银行在中国的定义..9
第二节 国内外影子银行的区别..10
第三节 影子银行系统运行模式简述...... 11
第三章 中国影子银行系统的发展状况及规模测算.... 14
第一节 中国影子银行的发展状况..........14
一、 中国影子银行产生原因14
二、 中国影子银行体系的构成........15
第二节 中国影子银行的规模......16
一、 依托银行的影子银行业务........16
二、 借贷类民间金融20
三、 融资平台类民间金融....21
第四章 云南影子银行的现状与监管.....25目录
V
第一节 云南影子银行发展现状..25
一、小额贷款公司......25
二、 融资性担保机构26
三、 融资登记服务机构........27
四、 资本管理公司....27
五、互联网金融试点企业......27
六、 股权投资基金....27
七、 典当行和寄售行28
第二节 云南地方类金融机构监管现状..28
一、行业发展缺乏上位法依据..........29
二、监管主体缺失，使得风险和危机难以控制......29
三、准入门槛把关不严..........29
四、监管部门合作力度不够..30
第五章 云南影子银行案例剖析.31
第一节 昆明泛亚“日金宝”案件剖析.......31
一、案件概述.........
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