新资本监管标准下我国中小银行的资本约束与资本管理  

The Capital Constraint and Capital Management of Small and Medium-sized Banks under the New Capital Regulation Standards

作　　者：粟勤[1] 王雨[1] 

机构地区：[1]对外经济贸易大学,北京100029

出　　处：《价值工程》2013年第21期176-178,共3页Value Engineering

摘　　要：2013年1月1日起开始实施的《商业银行资本管理办法(试行)》在Basel III的基础上提高了商业银行的资本监管标准。尽管我国大部分中小银行的资本充足率达标,但在外部融资渠道狭窄、内部资产规模扩张冲动,以及治理结构和管理水平相对落后的情况下,仍然面临潜在的资本约束。除了不断开拓资本来源以外,通过深挖内部潜力、提高资本管理效率,成为中小银行应对新资本监管标准的有效途径。＂Commercial bank capital management approach （Trial）＂ began to implement to improve commercial bank capital regulation standards based on Basel III in January 1, 2013. Although most of China＇s small and medium-sized banks meet the requirement of capital adequacy, they have still faced with the potential capital constraints in the context of narrow external financing, impulsive internal assets expansion and relatively poor management of corporate governance structure. In addition to continue to explore the source of capital, increasing the internal potential and improving the efficiency of capital management is an effective way for small and medium-sized banks to deal with the new regulatory capital standards.

关 键 词：资本监管 资本充足率 中小银行 

分 类 号：F830[经济管理—金融学]