我国商业银行资本金补充存在的问题与对策  

Problems and Countermeasures of Capital Replenishment of Commercial Banks in China

作　　者：印文 

机构地区：[1]南京银行资金运营中心

出　　处：《中国货币市场》2020年第3期16-22,共7页China Money

摘　　要：随着2017年金融严监管大幕的拉开,表外融资被不断压缩,银行表外业务回归表内不断推进,我国商业银行资本金压力不断突显,资本结构不合理问题也持续存在。监管层面已推出可减记二级资本债、优先股、永续债等多种资本补充工具,但与国外发达市场相比,我国商业银行资本状况和资本补充工具仍存在一些不足,该文就此提出在当前形势下推动我国商业银行资本补充的政策建议。With the start of stricter financial supervision in 2017,off-balance sheet financing has been continuously compressed,and the reversion of off-balance-sheet business of banks back to on-balance-sheet has continued to advance.Capital pressure of China's commercial banks has been on the rise ever since,while the problem of irrational capital structure also persists.Although a variety of capital replenishment tools,including secondary capital debt that could be written down,preferred stocks and perpetual bonds,have been introduced by the regulatory authorities,shortcomings still exist in the capital status and capital replenishment tools of Chinese commercial banks compared with developed foreign markets.This article puts forward policy suggestions to promote capital replenishment of China's commercial banks in the current situation.

关 键 词：资本补充 优先股 表外融资 减记 永续债 商业银行资本 资本金补充 存在的问题与对策 

分 类 号：F832.33[经济管理—金融学]