资本监管新规下商业银行资本补充问题探析  

Insight into the Capital Replenishment of Chinese Commercial Banks under the New Capital Supervision Rules

作　　者：许争[1] 冯智清 郭红玉[1] 

机构地区：[1]对外经济贸易大学金融学院 [2]中国建设银行太原分行

出　　处：《经济体制改革》2015年第2期188-193,共6页Reform of Economic System

摘　　要：我国商业银行资本结构单一,资本补充渠道狭窄,融资成本较高,加之资产规模扩张迅速,在强资本约束下银行资本补充问题凸显。本文基于商业银行资本监管新规中对合格资本、资本扣除项目和风险加权项的重新定义和调整,分析我国商业银行资本补充的必要性,在总结归纳国际大型商业银行资本工具创新实践基础上,结合当前银行资本现状与外部市场环境,从资本工具创新和银行业务转型角度出发,探讨了监管新规下商业银行资本补充渠道和途径。Coupled with the rapid expansion of asset scale, Commercial hanks in China, which the capital structure is single, the supplementary channel is narrow, the cost of financing is higher, have been facing a serious problem of capital reple-nishment under the strong capital restraint. Based on the redefinition and adjustment of eligible capital, capital deductions and risk-weighted terms in the new capital supervision rules, this paper analyzed the necessity of commercial banks＇ capital replenishment in china. After concluding the capital tool innovation practice of the large international commercial banks, combining with the present bank capital status and the external market environment, it probed into the channels and ways of commercial banks＇ capital replenishment under the new Capital Supervision rules, from the point of view of capital tool innovation and the transfor- mation of banking operation.

关 键 词：资本监管新规 商业银行 资本补充 

分 类 号：F830.4[经济管理—金融学]