课程代写:影子银行

  课程代写:影子银行

  影子银行一词指的是公司或公司所从事的与金融机构职能类似但不遵守监管规定的行为。影子银行变得相当流行。影子银行是2008年次贷危机的罪魁祸首之一。不受监管规定约束的中介机构构成影子银行的一部分。

  影子银行实体不吸收存款,因此大多数监管规定并不适用于它们。2008年后,对影子银行体系运作的审查力度加大。近年来影子银行业务不断增长的一个例子是同业拆借。

  影子银行试图满足人们的信贷需求,但由于影子银行不受监管,没有适当的风险管理,它们的风险不断传递到主要金融体系。

  因此,它们对主流金融体系构成了威胁,因为在这个领域很容易形成泡沫。这在最近的危机中显而易见,由于没有监管机构控制它们的活动,因此很难评估它们在泡沫破裂时所增加的风险。

  
课程代写 :影子银行

  Shadow banking term applies to firms or the practices followed by the firm who performs the functions similar to financial institution but without complying with the regulations. Shadow banking became quite popular. Shadow banking was one of the culprits in the 2008 sub-prime crisis of the banks. Intermediaries who do not fall under the regulations form a part of the shadow banking.

  Shadow banking entities do not take in deposits and hence most of the regulations do not apply to them. Post 2008, there was an increased scrutiny on the functioning of the shadow banking system. One of the recent examples of growing Shadow banking business is the peer to peer lending.

  Shadow banking tries to meet the credit demand of the people but since it is not governed by the regulations and does not have proper risk management in place, they have risks which are continuously passed on to the main financial system.

  Thus they pose a threat to the main stream financial system since it is very easy to form a bubble in that space. This was visible in the recent crisis and with no regulations controlling their activity, it becomes difficult to assess the risk which they are adding when the bubble will burst.

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