商业银行经济资本管理

Economic Capital Management of Commercial Banks

经济资本管理理论是商业银行在新环境中对实践的总结,反映了新环境中商业银行关注重点的变化。经济资本管理对商业银行的经营管理产生了非常重大的冲击,这种冲击范围涉及了经营思想、方式、资产规模和结构、绩效考核等多个方面,对于提高商业银行的风险管理水平,实现资产和负债的合理匹配以及最终的利润最大化目标都将起到至关重要的作用。

Economic capital management theory is the new development of commercial banks＇ business management, which considers the important change in the new business environment. Economic capital management shocks heavily commercial banks＇ management in many aspects which include operation way, thought, size and structure of assets and performance assessment. Therefore, it is important for commercial banks to improve their risk management, match assets and debts scientifically and achieve the goal of profit maximization.