中小商业银行在新形势下提高资本充足率的新选择

The New Choice of Increasing the Rate of Capital Adequacy of Medium Small-sized Commercial Banks under New Situation

根据2004年2月27日银监会颁布的《商业银行资本充足率管理办法》,从目前国内各家银行资本充足率现状出发,考察了各种提高资本充足率的方法,剖析了目前存在的问题,提出了一个从降低资产规模角度出发的解决方案,即实行银行信贷资产证券化,以解决中小商业银行资本扩张速度跟不上资产快速扩张的矛盾。

According to the China Banking Regulatory Committee promulgated <the Approach of Management on the Rate of Capital Adequacy in Commercial Banks> on Feb.27, 2004,starting from actual situation of the rate of capital adequacy of domestic commercial bank, this paper makes a investigation and analysis on the ways of improving on the rate of capital adequacy and the problems existing, proposes a new scheme from the angle of decreasing the size of the banking assets, that is carrying out securitization on banking loan assets for purpose of solving contradiction that capital expansion cannot keep up with assets expansion in medium small-sized commercial bank.