我国商业银行资本充足率的提升途径分析  

Analysis of the Way to Enhance Capital Adequacy Ratio of Commercial Banks in China

作　　者：张强[1] 武次冰[1] 易宇[2] 

机构地区：[1]湖南大学金融学院,长沙410079 [2]中国农业银行湖南省分行,长沙410005

出　　处：《西部论坛》2010年第2期95-104,共10页West Forum

基　　金：国家自然科学基金(70873037);湖南省研究生创新项目(CX2009B063)

摘　　要：2004年《商业银行资本充足率管理办法》颁布后,商业银行资本充足率平均水平大幅度提高。但不同类型商业银行的资本充足水平不同,对资本约束的反应也不同;而且资本充足率提升渠道仍存在过于依赖资本金的增加且资本金补充渠道较为狭窄、次级债券发行过多的问题。应构建多元化的资本金补充渠道,并有效控制风险资产增长。In 2004, the Regulation on Capital Adequacy of Commercial Banks was issued, the Chinese commercial bank＇ s capital adequacy ratio level has been greatly raised, however, the capital adequacy ratio level of different banks is different and has different restriction on capital, furthermore, there are problems in capital adequacy ratio raising channels such as excessive dependence on the increase of capital funds and narrow capital funds supplementary channel and too many sublevel bonds. China should set up multiple capital funds supplementary channels and effectively control the increase of risk assets.

关 键 词：商业银行 资本充足率 资本金 资本金补充渠道 风险资产 

分 类 号：F832.2[经济管理—金融学]