试论我国商业银行资本充足率的提高

Raising the sufficient rate of capital of commercial banks of our country

资本监管是商业银行审慎监管的核心内容,实施严格的资本监管制度,有利于提高银行体系的稳健性,促进金融市场的公平竞争,保护存款人利益。在我国商业银行资本充足率普遍偏低的情况下,商业银行应采取各种方法,尽快提高资本充足率,以顺应监管当局对资本充足率的要求,保证银行稳健经营。

It is a key content supervised in discretion of commercial bank that the capital is supervised, implement the strict capital supervisory system, is it improve bank system getting sane, promote the fair competition of the financial market to help, protect depositor's interests. In a situation that the sufficient rate of the capital of commercial bank of our country is general low at present, the commercial bank should take various kinds of methods, raise the sufficient rate of the capital as soon as possible, in order to comply with and supervise the requisition for sufficient rate of the capital of the authorities, guarantee that the bank manages steadily and surely.