对商业银行资本金监管的思考

Some Thoughts on Regulation over Core Capital of Commercial Banks

资本金具有偿险、立信、落实股东权利和义务、营运铺底等功能。我国商业银行长期以来资本金普遍不足,分支机构在实际业务中不重视资本金的充足性。商业银行可采取财政注入、上市、依法发行资本债券;通过内部挖潜提高财务效益;控制和压缩不合理的资本性支出;加强对资产的管理;制定有效的资本金管理考核机制等措施,来提高资本充足性。

Core capital has such functions as compensating risks, establishing creditworthiness, ascertaining right sand duties of shareholders, founding operation base, etc. In the long-run, there is a common phenomenon of insufficient core capital of China＇ s commercial banks and adequacy problem of core capital has gained no attention in practical transaction of branches. Measures can taken by commercial banks as raising fiscal money, listing, issuing capital bonds in conformity with law, improving financial effects by internal digging out potentials, controlling and contracting irrational capital expenditures, strengthening capital management, establishing effective core capital examination mechanism, etc. so as to increase capital adequacy.