商业银行风险资本管理的新思考

New Thinking of Commercial Bank's Risk Capital Management

经济资本是商业银行计量风险、信贷决策、贷款定价、市场拓展、预算计划、衡量业绩的标尺,它是商业银行全面风险管理体系建设的关键环节。商业银行通过经济资本,可以真实地反映自身所面临的风险状况,有效强化风险管理,适时调整风险管理重点,切实把好商业银行风险管理关。

The economic capital is benchmark of measure risk, credit policy, loan pricing, market development, budget planning and measurement performance in commercial banks, which is a crucial element in the construction of comprehensive risk management system. By the economic capital, commercial banks can truly reflect the risks conditions facing by its own, and effectively strengthen the risk management, timely adjust the emphasis of risk management, really do good job in risk management.