Abstract
AbstractIn China, shadow banking used to effectively help commercial banks resolve bad debts, but the underlying risks accordingly evolved into systematic risks, and it aroused the government’s concern and action. This paper discusses two typical examples of shadow banking in China, bank-issued wealth management products and P2P lending platforms, to illustrate various risks and then present government regulatory responses to these risks. We conclude that firm commitment should be one of the major factors facilitating the growth of China shadow banking. Based on the research on the regulatory response of bank wealth management products and P2P, we believe that immediate and effective supervision is necessary to avoid systematic risks and correctly guide the development of shadow banking.KeywordsShadow bankingWealth management productsPeer-to-Peer lendingSystematic risksRegulatory responses
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