Abstract: Firstly, the definition of shadow banks is analyzed and the main characters of shadow banks are pointed out. Secondly, the process of reforming Chinese financial system and the main characters of financial system are reviewed and the depressing financial system which is the important reason for shadow banks is pointed out. Finally, its own solutions to solve the shadow banks are given.

Key words: financial depressing, interest control, private banking

摘要： 分析影子银行的涵义及其主要特征；简要回顾中国金融体制改革的历程，分析现阶段我国金融体制的主要特征，指出现阶段我国金融抑制的特征以及产生影子银行的客观必然，并在此基础上提出规范影子银行发展的对策建议。

关键词: 金融抑制, 利率管制, 民营银行