Abstract: Theres no doubt that the emergence of shadow banking will affect traditional banking. The ways are taken by traditional banking to cope with opportunities and challenges caused by shadow banking. The contribution of traditional banking to social financing is analyzed from the starting point of concentration of bank market. It is confirmed that mixed operation is the tendency of our traditional banking through Johansen cointegration test and VEC model. Some measures to convert the ways of development and deepen reforms of traditional banking to adapt to current financing environment are raised.

Key words: traditional banking, shadow banking, mixed operation

摘要： 影子银行的诞生无疑会对传统商业银行产生影响。阐述和分析传统商业银行如何应对影子银行兴起带来的机遇和挑战。以银行业市场集中度为出发点，从社会融资的角度分析商业银行对社会融资的贡献度，并通过Johansen协整检验和VEC模型论证混业经营是商业银行发展的趋势，并对商业银行的发展方式、深化改革提出建议。

关键词: 商业银行, 影子银行, 混业经营