中文摘要：

我国的影子银行业务与国外成熟市场中的影子银行业务有着明显差异,从中外比较的基础上,分析我国影子银行业务及其风险特征,风险传染渠道与传染效应;并基于免疫系统理论,设计影子银行业务宏微观审慎结合的审计免疫机制,旨在防范影子银行业务风险向金融系统传染,维护金融稳定,确保金融安全。

英文摘要：

There are per analyzes the shadow obvious differences between Chinese shadow banking banking and foreign shadow banking. This pabusiness and risk characteristics, risk- transmission channels and effects in China. With the immune system theory, we put forward the immune mechanism of shadow banking business b~sed on risk -oriented auditing. This immune mechanism will effectively prevent risk transmission from the shadow banking to the financial system, maintain financial stability, ensure financial security.