巴塞尔协议Ⅲ对我国商业银行发展的影响分析

Forecasting the Impact on China's Commercial Banks under Basel Accord Ⅲ

巴塞尔协议Ⅲ在资本监管、杠杆率指标和流动性监管计量全球标准方面提出了新的要求,虽然我国商业银行的资产负债结构较为简单,但新的监管要求仍然会带来挑战、促进新一轮的金融改革。本文从资本要求、杠杆率要求、流动性要求等角度,分析了巴塞尔协议Ⅲ实施对我国商业银行发展的影响。

The Basel Accord Ⅲ has put forward new requirements on capital regulation, leverage ratio and the global supervisory standards of liquidity measurement. Though China＇ s commercial banks have simple balance sheet, new supervision requirements still brings new challenges. In this paper, we explore the impacts of the implementation of Basel Accord Ⅲ on the development of China＇s commercial banks from the aspects of capital requirements, leverage ratio and liquidity requirements.