摘要
资本充足率的管理对保证银行资产的安全性意义深远。随着《商业银行资本充足率管理办法》的施行，中国各大银行纷纷开始重视资本充足率的管理。本文根据中国的现实情况，通过对资本充足率与净资产收益率及贷款总额的关系的分析，探讨其对于银行资本监管的指导意义。
The management of capital adequacy rate bears significance for the safety of bank assets, which gains more and more attention from commercial banks with the implementation of Regulation Governing Capital Adequacy of Commercial Banks. Under the situation, this thesis discusses the significance of bank capital supervision, through researching on the relationship between capital adequacy and net asset income rate and total loan.
