我国商业银行资本充足率持续下降的原因分析

Reasons of Continuous Falling of Capital Adequacy Ratio of China′s Commercial Banks

在探讨我国商业银行资本充足率持续下降现象的基础上,分析了影响充足率持续下降的宏观和微观多方面的因素,并对提高资本充足率提出了建议和对策。

The paper has involved the macro-and micro-reasons that capital adequacy ratio is continuous falling in recent years, on the basis of analyzing the present conditions of falling capital adequacy ratio in China's commercial banks. Some suggestions to enhance the capital adequacy ratio are brought about.