随着后金融危机时代的到来，国家相继出台政策调控，但实体企业融资难仍是当前的难题。而此时金融市场内理财产品、信托等影子银行体系日渐壮大，市场对于以理财产品为代表的影子银行是否为庞氏骗局的争论也越发激烈。从当前情况看，中国的影子银行与欧美相比有许多本质不同。因此，必须正确看待庞氏骗局在经济发展中的利弊，通过加强金融监管和积极监控，促进资产证券化和商业银行的经营转型，更好地促进实体经济发展。%With the advent of post financial crisis era,China’s real economy overall declines. Although countries have issued policy,entity enterprise financing difficulty is still the current problem.At this time financial products,trust and the shadow banking system has grown in financial markets.Meanwhile,the debate is more and more vigorous,which is on whether financial products are Ponzi scheme.From the current situation,the nature of China’s shadow banking system has many difference compared with that of Europe and the United States. Therefore,we must correctly treat the pros and cons role of the Ponzi scheme in economic development.Through strengthening financial supervision and actively monitoring,promote Asset-Backed Securitization,the transformation of commercial banks and the development of real economy.
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