商业银行资本约束困境及改进路径分析

Commercial bank capital control's difficulty and improve route analysis

资本充足率是现代商业银行的生命线,保持充足的资本是其得以生存与发展,进而有效维护金融安全的重要条件。2009年以来,商业银行信贷的大量投放极大地促进了经济的企稳回升,也不可避免地给银行资本充足率带来较大压力。本文在介绍我国商业银行资本不足原因的基础上,通过对各种提高资本充足率途径的分析,提出了当前形势下提高资本充足率的策略建议。

The capital adequacy is the lifeline of a modern commercial bank.It is a key factor to keep sufficient capital for banks to survive and develop as well as to maintain financial security effectively.Since 2009,a large amount of loan from commercial banks promote economy recovery and development tremendously.Inevitably,it also brings big pressure on commercial banks’ capital adequacy.On the basis of introducing the causes of capital shortage,this paper proposes strategic suggestions about improving the capital adequacy in current situation through analyzing different paths.