巴塞尔Ⅲ及其对中国银行业的影响

The Impact of Basel Ⅲ Capital Accord on the Banking in China

分析了巴塞尔Ⅲ资本监管改革的理念和内容,按照巴塞尔Ⅲ和中国银监会资本监管方案的标准,以17家上市商业银行2010年的数据为例,测算了新指标对银行业的短期和长期影响。研究表明,无论从资本充足率还是杠杆率角度看,中国银行业的短期资本缺口不大,但长期资本缺口巨大。因此,监管部门应加强合作,密切关注银行业在实施巴塞尔Ⅲ期间对实体经济和资本市场的影响。

Analyzing the main ideas and contents of Basel Ⅲ, implementing the standard of financial supervision, how the new indexes effect the banking in both short and long term has been measured by the data from 17 listed commercial banks in 2010. The study shows that no matter from capital adequacy ratio or from leverage ratio, the capital gaps of banking in China are small in short term, however huge in long term. Therefore, all regulators should reinforce the cooperation and pay more attention to the influences on economic development and capital market while implementing Basel Ⅲ