图书标签: 金融 张化桥 经济与金融 中国 银行 banking shadow 中国政治
发表于2024-12-24
Inside China's Shadow Banking pdf epub mobi txt 电子书 下载 2024
Joe Zhang was chairman of a micro-credit company in China in the past two years. This book is a personal story. Is shadow banking in China likely to become the source of the next global financial crisis or simply a little understood area of the enormous Mainland economy? Financial industry expert Joe Zhang pulls back the curtain on this sector and explains how shadow banking in China impacts the regional and world economies. Within shadow banking, China's microcredit industry is an area of tremendous interest for most business analysts. In this book, Joe Zhang pinpoints the areas of concern based on his experience in the field and his knowledge of the complicated rules and regulations of banking in China gathered during his years as an official of the central People's Bank of China in Beijing. Drawing on his time spent at UBS, as well as the work of prominent economists, Joe Zhang explains shadow banking and microcredit in China for investors, economists, laypeople, and the general public.
Joe Zhang, 50, is an independent corporate advisor based in Hong Kong. From 2011 to 2012, he was Chairman of Wansui Micro Credit Company in Guangzhou, China. He was named "A Microcredit Person of the Year"; in January 2012 by the Microcredit Association of China. He worked for 11 years at UBS, mainly as Head of China Research and then Deputy Head of its China Investment Banking Division. From 1986 to 1989, he was an official of the central People's Bank of China in Beijing. From 2006 to 2008, he was the Chief Operating Officer of Shenzhen Investment Limited, a property developer. His work has appeared in The Wall Street Journal, Financial Times, International Herald Tribune, and The New York Times.
比中文版多了不少内容呢~
评分看的是中文版,懒得换了,很不错,他说出了这个行业很多不为外人知的内幕,也有很多让我感觉沉重的东西。
评分题目太惊悚,分析却欠奉
评分本书前半部分作者以担任万穗小额贷款公司CEO的个人经历为基础,就国内影子银行体系做了微观、具体、形象的描述和分析,并从一个小额信贷执业人员的角度,道出了该行业目前所面临的机遇、尴尬和困难;后半部分作者则以金融分析师和经济学家的姿态,从更为宏观的层面上,对国内影子银行体系进行了全面、系统的学术研究分析,主要有以下几个议题:1)国内影子银行体系的定义、组成结构和风险水平,2)利率管理制度的破坏性结果及可能的改良办法,3)小额信贷业的发展状况及其所面临的经济、政策、社会不利环境,以及作者向监管部门提出的政策建议。实际上对于标题中提到的”The Next Subprime Crisis“,作者并没有做过多分析 ,而是指出就次级贷款相对于GDP的规模来说,中国目前水平远在G20和欧元区国家之下。
评分题目太惊悚,分析却欠奉
张化桥敢说这是远近闻名的,就这本书里面将小贷公司还有信托和银行这些金融机构的“小秘密”和盈利模式都有不同程度的披露,本人还是获益良多。但是这种做法对于行业来说可能并不是那么受欢迎,因为大家还是喜欢“闷声发大财”。 其实张在之前的两本书里也是这种风格,一旦退出...
评分整本书就是围绕着中国的监管不合理进行阐述。 万穗小贷公司找张化桥就是要扩大规模,否则自己的1.5亿资本金和50%的杠杆一达到上限,就无法扩张。 so他们的目的就是要不让政府改变制度,将杠杆放到100%,要不贷款证券化,联合设立一只10亿元规模的投资基金,作为架设在万穗之上...
评分整本书就是围绕着中国的监管不合理进行阐述。 万穗小贷公司找张化桥就是要扩大规模,否则自己的1.5亿资本金和50%的杠杆一达到上限,就无法扩张。 so他们的目的就是要不让政府改变制度,将杠杆放到100%,要不贷款证券化,联合设立一只10亿元规模的投资基金,作为架设在万穗之上...
评分一直觉得小贷挺赚,读过此书觉得还是银行躺着就能挣钱最容易。 关键一是资金成本低,二是贷款风险小——因为成本低,所以只要不犯傻,根本就没必要冒风险 就算现在各种宝可能会推高一些银行的资金成本,但也比信托小贷好太多 可是。。。居然A股的银行都是破净的,是市场错了?...
评分久闻张化桥先生的大名,之前也读过他部分文章,感觉逻辑性很强,猜测他是个敢讲真话,激扬文字的人。 拿到这本书的时候,不免有些失望,《影子银行内幕》确实非常吸引眼球,窃以为可以通过张先生鞭辟入里的分析,能够让我们窥探影子银行到底有哪些内幕,是否会成为下一次危机的...
Inside China's Shadow Banking pdf epub mobi txt 电子书 下载 2024