本文主要讲述的是影子银行的意义，因此，影子银行并没有大量的关键资产，而这些资产可能因不同的原因而有用，比如满足隔夜现金存款的需求。非存款信用中介机构是非银行金融机构的重要组成部分。影子银行没有足够的规模来提出系统性的解决方案。例如，在加拿大，影子银行的崛起代表了银行总负债的37倍。风险主要在于NHA市场。这种风险并非孤立存在。本篇英国英语语言学论文代写文章由英国论文人EducationRen教育网整理，供大家参考阅读。
Thus, shadow banking does not have a number of critical masses which may be useful for different reasons such as meeting for the overnight deposits of cash. It is also important to have the non-depository credit intermediaries which were of the non-bank finance.The shadow banking didn’t have a critical mass to pose a systematic approach. For example, in Canada, the rise of the shadow banking represents 37 of the total banking liabilities. The risk lies primarily in the NHA market. This risk is not isolated.
Around two types of the total debt amount consist of mortgages (Xianrong, 2009). In Canada there may be a broader securitization which exposes the credit risks to many counterparts’ banks to the different mortgages based portfolios (Gennaioli et al, 2013). This also includes the banks and the insurers of the mortgages. The federal government may also be exposed because of the explicit backing of the mortgage insurance. This is done primarily by the Canadian Mortgage Corporation (Mehrling et al, 2013).
Various federal regulators have also led to the introduction of the regulatory changes to the insured mortgages related to the maximum amortization period, more strange and stringent income testing standards, maximum ratios of loan to value. Each one of them would have weighed heavily on the riskier mortgage which is given in the recent times. In spite of the continuation of the home sales activity and the growth of price across the nation, the slowest pace had been reached in 2001 (Singh et al, 2010).
The shadow banking system in Canada consists of smaller banks. The market based asset related securities, asset based commercial paper and money market mutual funds are smaller and have also fallen since 2008. Since then, there was a significant growth of the repos and short-term papers which had grown in sizes. The repos and the short term papers were critical instruments which have been used by different companies for different reasons. This may also include the meeting for the overnight cash deficits. The non-depository credit intermediates held just over 4 % of the total outstanding credit and even less business credit.
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