Inside China's Shadow Banking pdf epub mobi txt 电子书 下载 2025
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.
- 金融
- 张化桥
- 经济与金融
- 中国
- 银行
- banking
- shadow
- 中国政治
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.
具体描述
读后感
首先，张先生的这本书书名起得实在名不符实，其实主要讲的是张先生在小额贷款公司的工作经历，但书名一下升华到了影子银行的范畴，从书籍营销的角度来说就变成高端大气了。另外，副标题是“下一个次贷危机的源头？”其实也没花大篇幅阐述小贷怎么变成危机的原因，又是抓...
评分揭开影子银行的神秘面纱 在现代社会中，无论是普通人还是商人都会与银行发生某种关系。比如工资的结算一般都捅过银行系统完成，比如一般人都会有几张信用卡，再比如很多人会涉足保险行业购买一些保险产品。而对于影子银行却往往知之甚少，但是这并非说明其不重要，更不说明影...
评分首先，张先生的这本书书名起得实在名不符实，其实主要讲的是张先生在小额贷款公司的工作经历，但书名一下升华到了影子银行的范畴，从书籍营销的角度来说就变成高端大气了。另外，副标题是“下一个次贷危机的源头？”其实也没花大篇幅阐述小贷怎么变成危机的原因，又是抓...
评分屈宏斌（汇丰银行大中华区首席经济学家） 影子银行地方债等都是表面问题，其根本诱因是银行主导的金融体系和城镇化的融资需求的不匹配。全球危机后出口衰退，保就业底线主要依赖加大基建投资，使得这种不匹配更加突出。如何解决？1）发展市政债等长期公共融资工具，地方债阳光...
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...
用户评价
题目太惊悚，分析却欠奉
评分不长，文笔有点差，料是有的，故事比较有趣。
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。
评分中文版有了
评分前半本不錯，後半部就是張化橋短文精選
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