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影子银行体系大致可被描述为信用中介,它涉及的实体和活动处于常规银行体系之外。①通过非银行渠道的信贷中介具有重要的优势,它有利于实体经济的融资,但这样的渠道也可能成为系统性风险的来源,尤其是当它们的结构体系类似于银行的功能(如期限转换和利用),或者当它们与正规银行系统的相互联系十分密切时。因此,对影子银行的适当监测有助于减轻这种积聚的系统性风险。
The shadow banking system can broadly be described as a credit intermediary, and its entities and activities are outside the regular banking system. ① Credit intermediation through non-bank channels has important advantages that facilitate the financing of the real economy, but such channels can also be sources of systemic risk, especially when their structural system is similar to that of banks (such as deadline conversion And utilization) or when they are closely interlinked with the formal banking system. Therefore, proper monitoring of shadow banks helps to mitigate the systemic risk of such a build-up.