对商业银行资本充足率要求的经济分析  

The Economy Analysis to the Request of Commercial Capital Adequacy Ratio

作　　者：汪永波[1] 

机构地区：[1]电子科技大学管理学院,成都610054

出　　处：《价值工程》2004年第9期87-89,共3页Value Engineering

摘　　要：本文从银行均衡的资本结构产生说起,接着说明了银行存款契约的内在缺陷,由此产生了担保制度。但是,担保制度又导致了银行经营者的道德风险和逆向选择,因此需要资本充足率监管制度。事实上,担保制度和资本充足率监管制度分别是对银行事前和事后风险防范提供一种制度安排,共同保障银行业有效顺利运转提供安全保障。This paper begins with balanced ca pital structure of bank,and then explains the intrinsic defect of bank deposit c ontract.The defect produces the assure system.But the assure system also leads t o such questions as moral hazard and adverse selection.So we need the regulation system of capital adequacy ratio.In fact,the assure system and the regulation s ystem respectively provide a system arrange so that it can guard the risk for th e bank beforehand and afterwards.The two systems together assure that the bank t rades can work smoothly.

关 键 词：资本充足率 商业银行 监管制度 担保制度 银行存款 资本结构 逆向选择 内在缺陷 要求 契约 

分 类 号：N02[自然科学总论—科学技术哲学] F832[经济管理—金融学]