如果合法的影子银行业体系崩溃,影响的范围则会广得多。信托基金、理财产品和委托贷款业务这些合法的影子银行,规模要比高利贷大得多,业务范围遍及全国,而且最令人担心的是,它们与传统银行你中有我、我中有你。
“Banks are playing the role of ‘middlemen’ between the recipients and investors, Xiao Gang, Bank of China chairman, wrote in the China Daily. Banks do this in two ways.
中国银行(Bank of China)董事长肖钢在《中国日报》(China Daily)上撰文指出:“银行在被投资者和投资者之间扮演着‘中间人’角色。银行以两种方式来发挥“中间人作用。
First, they market investment products on behalf of trust companies. Second, they raise funds through WMPs, which they in turn invest in a range of assets, including shadow financing deals.
第一,银行代表信托公司推销投资产品。第二,银行通过理财产品筹集资金,然后用筹得的资金投资各种资产,包括一些影子融资交易。
One key question is whether any losses from shadow financing would be borne directly by banks. When banks market trust products or sell non-guaranteed WMPs, the transactions do not show up on their balance sheets. Yet this distinction may be meaningless if defaults occur.
一个关键问题是,影子融资出现的任何亏损,是否将由银行直接承担。银行推销信托产品或销售无担保理财产品时,交易并不体现在银行的资产负债表上。然而,如果发生违约,交易体不体现在银行资产负债表上,可能并没有什么实际区别。
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