新银行监管模式视角下我国商业银行经营转型的思考  

Commercial Bank's Business Transformation Based on the New Perspective of Banking Regulation Mode

作　　者：贾明琪[1] 李成青 

机构地区：[1]兰州大学管理学院,甘肃兰州730000 [2]中国工商银行广东省分行,广东广州510120

出　　处：《南方金融》2011年第11期27-31,共5页South China Finance

摘　　要：随着巴塞尔协议Ⅲ及我国银行业新监管标准的推出,目前我国已确立微观审慎与宏观审慎相结合、具有中国特色的银行监管新模式,这不仅是全面风险管理的理念及资本计量方法的改变,更蕴含着新的银行经营治理要求,将对商业银行经营模式、资产管理方式及盈利能力产生深远影响。鉴于此,本文提出在新的银行监管模式下我国商业银行经营转型的对策建议。With the implementation of Basel III and the China＇s new banking regulatory standards, China has currently established a new model of banking supervision combined with micro-prudential, macro-prudential and Chinese characteristics. The new bank regulatory requirements are not only a comprehensive risk management philosophy and capital change in the method of measurement, but also contains a new governance requirements of banks, which will have far-reaching influence on business mode, asset management and profitability of the commercial banks. Accordingly, this paper proposes some suggestions for commercial banks to transform their business under the new banking regulation.

关 键 词：金融监管 巴塞尔协议Ⅲ 商业银行 经营转型 

分 类 号：F832.33[经济管理—金融学]