提高国有商业银行的资本充足率 增强防范风险能力  

Improving the Adequacy Rate of Capital to Strengthen the Ability of Being Guard on Risk

作　　者：孙波[1] 

机构地区：[1]山东经济学院财金系

出　　处：《中央财政金融学院学报》2000年第10期46-48,共3页Journal of Central University of Finance & Economics

摘　　要：中央银行对商业银行资本充足性管理是其监管的核心。近年来 ,国有商业银行提高了呆帐准备金率 ,金融资产管理公司也收购了银行的一些不良债权 ,在一定程度上提高了资本充足率。但应看到 ,目前我国商业银行的资本金总量仍然不足 ,结构也不合理。因此 ,要采取积极有效的措施 ,提高资本充足率 ,以保证商业银行的清偿能力和抑制倒闭性风险。To management the adequacy rate of capital on the state owned commercial bank is the core task for the center bank to supervise.The state owned commercial bank have advanced the doubtful reserve rate,and the monetary asset managing company have also purchased some creditor's rights in the several years.These measures helped improve the adequacy rate of capital.However,we also notice that the aggregate commercial bank's capital is not enough yet,and the structure is not reasonable.So we must find the effective ways to increase the adequacy rate of capital in order to guarantee the ability lifting of commercial bank and restrain the risk of bankrupt.

关 键 词：国有商业银行 资本充足率 中央银行 防范风险 资本充足性 呆帐准备金 清偿能力 资本金 不良债权 金融资产管理公司 

分 类 号：F832[经济管理—金融学] F830