商业银行资本金补充机制研究

Research on the Capital Supplement Mechanism of China's Commercial Banks

本文在《巴塞尔协议Ⅲ》要求的基础上,分析了我国各类商业银行所面临的资本金和资本结构约束。研究表明,中国银行业面临的资本约束同欧美银行业存在明显差异,我国商业银行应在遵守新资本协议的基础上丰富核心资本,规范利用附属资本,优化资本金结构。

Based on the requirements of Basel III, this paper studies the constraints from capital and capital structure faced by commercial banks in China. The study shows thai the Capital constraints of China＇s commercial banks are different with those of European and the US commercial banks. It argues that China＇s banks should extend core capital, normalize the use of supplementary capital and optimize capital structure.