《巴塞尔协议》的修订与我国商业银行风险防范

The Revision of Basel Agreement and Our Commercial Bank Against Risk

结合巴塞尔委员会发布的新资本协议草案对我国商业银行风险进行了分析。文章总结了我国充实银行资本金的过程,对不良资产产生的根源进行了剖析,并对注资的过程进行了反思,指出应选择注资的方式和实行动态补充相结合来满足资本充足率要求。同时辅之以外部监管和市场约束来遏制三大风险。

Referring to the content of new Basel agreement, this paper analyses China commercial bank main risks,summarizes the procedure about goverment how to add national commercial bank capital and discusses the mechanism of the bad debt. In order to satisfy the request of Capital Adequacy Ratio,commercial bank should choose suitable mode and adopt necessary dynamic supplement to control the three main risks.