新资本充足率实施对我国商业银行的影响

The Impact of the Implementation of New Capital Adequacy Ratio on China's Commercial Banks

我国部分商业银行将在2011年开始实施新资本充足率的要求。目前的观点普遍认为,资本充足率对资产和存款的控制不如准备金率。笔者认为,这是静态分析的结果,存有很大的偏颇。如果考虑市场的制约,商业银行无法在市场上顺利实施股权融资,如此必然造成资金的短缺与紧张。商业银行改变盈利模式势在必行。

Some local commercial banks are to implement the new requirement of capital adequacy ratio （CAR） in 2011. Popular opinion is the control of CAR on asset and deposit is secondary to the control of reserve ratio. The article argues that such opinion is the result of static analysis and is not always the case. Given the restriction of the market, commercial banks are not able to implement equity financing in the market, thus leading to the scarcity of capital. It is imperative for commercial banks to change the profit model.