“影子银行”在信贷资产转让中的特征分析与法律监管研究  

Research on the Features and the Supervision of "Shadow Banking" in Credit Asset Transfers

作　　者：余宗辉[1] 康锐[2] 

机构地区：[1]中国银行重庆大渡口支行,重庆400084 [2]上海海事大学法学院,上海200135

出　　处：《上海金融》2012年第2期51-54,117,共4页Shanghai Finance

基　　金：上海市决策咨询研究项目(2011-z-01-c);上海海事大学研究生创新基金项目(yc2010003)

摘　　要：信贷资产转让的监管问题应归属于对影子银行监管的命题范畴。针对我国信贷资产转让业务的发展,央行和银监会采取了"疏、堵"不同的监管路径。通过对信贷资产转让和影子银行的主体、客体和内容三个要素特征的比较分析,可以发现现存的监管制度还存有缺失,信贷资产转让监管可以借鉴对影子银行的监管,在其中跨行业风险、制度变迁和金融消费者权益保护等问题仍需要进一步的立法规制。The supervision of credit asset transfers comes into the domain of supervision of shadow banking.With regard to the development of credit asset transfers in China,China Banking Regulatory Commission and the People's Bank of China take different approaches.By analyzing the legal subject,object and contents in credit asset transfers and shadow banking,we may easily find out that there are institutional absences in current regulatory system.And we need to strengthen the legislation on issues such as cross-sector risks,institutional change and financial consumer protection,etc.

关 键 词：影子银行 信贷资产转让 银信合作 

分 类 号：G21[文化科学—新闻学] F830.4[经济管理—金融学]