论商业银行资产增长约束机制构建与资本充足率提升

On Construction of Disciplinary Mechanism of Bank's Asset Growth and Enhancement of Capital Adequary Ratio

我国商业银行资本充足率低且呈现不断下降的趋势,原因在于没有建立起约束资产扩张的内在机制。提高商业银行资本充足率,不能片面依赖于在资本市场扩股增资,根本出路在于建立资产增长的内在约束机制。

The lower Capital Adequacy exists prevalently in our commercial banks and has a tendency of continuously declining, hs true reason is that the banking system has not built an operational mechanism of restricting expansion of assets. Increasing Capital Adequacy can＇t unilateral counting on in the capital market a capital increase, built an operational mechanism of restricting expansion of assets is the basic exit.