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Questions and Answers
O que é o shadow banking?
O que é o shadow banking?
- Um sistema financeiro paralelo que opera fora das regulamentações bancárias tradicionais. (correct)
- Um sistema financeiro que opera apenas com empréstimos peer-to-peer.
- Um sistema financeiro que opera apenas com intermediários não bancários.
- Um sistema financeiro que opera apenas com bancos tradicionais.
Quais intermediários não bancários estão incluÃdos no shadow banking?
Quais intermediários não bancários estão incluÃdos no shadow banking?
- Bancos de investimento.
- Empresas de empréstimo peer-to-peer.
- Fundos de hedge
- Todas as opções acima (correct)
Por que o shadow banking é considerado mais arriscado do que a banca tradicional?
Por que o shadow banking é considerado mais arriscado do que a banca tradicional?
- Porque é menos alavancado.
- Porque é menos regulamentado. (correct)
- Porque não é um intermediário entre credores e tomadores de empréstimos.
- Porque não lida com crédito e capital.
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Study Notes
- Shadow banking is a parallel financial system that operates outside of traditional banking regulations.
- It includes various non-bank intermediaries such as investment banks, hedge funds, and peer-to-peer lending platforms.
- Shadow banking serves as an intermediary between creditors and borrowers, providing credit and capital to investors and corporations.
- However, its operations pose greater market, credit, and liquidity risks compared to traditional banking.
- The growth of shadow banking has made it a critical player in the global financial system, with an estimated $92 trillion in non-bank financial assets in circulation in 2015.
- Critics argue that shadow banking was a major contributor to the 2008 financial crisis.
- Despite regulatory efforts, shadow banking remains highly leveraged and exposed to systemic risks.
- Authorities have proposed measures to regulate and limit the operation of shadow banking, but it is still not subject to the same regulations as traditional banks.
- The continued operation of shadow banking poses a potential threat to the global financial system.
- Shadow banking remains a controversial and highly debated issue in the financial industry.
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