本文主要讲什么是影子银行体系，影子银行体系可以是指金融中介机构在全球金融体系中以不受监管监督的方式提供信贷的银行体系。因此，它可以指的是不同机构不受监管的活动的数量。近年来，由于传统存款银行的竞争，影子银行的概念出现了显著的上升。影子银行系统的一些例子包括工具的证券化，资产担保的商业票据，管道，货币市场基金，抵押贷款和投资银行。尽管影子银行系统通常与一些风险相关，因为它们不吸收存款，与传统银行相比，它们涉及的监管较少。本篇英语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。
A shadow banking system may refer to the banking system in which the financial intermediaries are involved in providing the credits across the global financial system in such a manner that the members are not subjected to the regulatory insight. Thus, it may refer to the number of unregulated activities by different institutions. In the recent times, there has been a significant rise in the concept of shadow banking because of rival traditional depository banking. Some of the examples of shadow banking systems included the securitization done the vehicles, commercial papers which are backed on assets, conduits, money market funds, mortgage and investment banking. Though, shadow banking systems are usually associated with a number of risks as they do not take any deposit, they involve fewer number of regulations in comparison to traditional banks.
In order to be better than their competitors, they may even increase the rewards for the customers which possess the risk in the financial systems. Because of a lot of un-regulations, shadow bank can regulate the mainstream banking system and avoid all the rules which are there for the prevention of the financial crises. There are a number of other risks associated with shadow banking.Ineffective monetary policies: With the increase in the size of the shadow banking institutions, there will be a decrease in the effectiveness of different monetary policies, which will help in controlling the inflation rate.
This will also lead to the reduction in the official supply of money. Thus, there will ultimately decrease and will become nullified because of the increase in the liquidity of the shadow banks. It is important to control the inflation by doing the reduction in the growth of credit and by doing the prevention related to the overheating in the economy. Shadow banking is a banking system which has been spreading in each and every economy in the world. It is such kind of banking system in which the short-term funds are borrowed from the market institutions, which leads to the creation of a liquidity mismatch. In this report, the discussion has been focused on Shadow banking. Different literature journals have been studied to discuss the risk associated with shadow banking, the causes of the same and its consequences. Further, the shadow banking issues in Canada have been investigated. Further, on the basis of the research, the causes and consequences related to shadow banking and its impact on the economy have been discussed in detail.
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