发行次级债券对我国商业银行资本充足率的影响研究

我国商业银行欲达到《新巴塞尔协议》关于资本充足率的要求,一是增加资本金,二是调整资产组合。而要想在短期内提高银行资本充足率,最有效的做法就是补充资本金。因此,面对外资银行的冲击,国内商业银行都相继选择发行次级债券来改变其资本充足率。本文就次级债券的发行对我国商业银行资本充足率的影响进行了研究。

In order to fulfill the request of ＂the New Basel Agreements＂ concerning the sufficient rate of capital, commercial banks in China can take two measures. One is to increase the capital cash; the other is to adjust the capital integration. If they desire to enhance the sufficient rate of capital in a short - term period, the most effective way is to supplement the capital cash. Therefore, facing the impact of foreign capital banks, the internal commercial banks have one after another chosen the secondary bond＇ s issue to change their sufficient rate of capital. This article has studied the influence of the seenndary bond＇ s issue on the commercial bank＇ s sufficient rate of capital.