我国商业银行的资本结构演化

On China commercial bank's capital structure evolution

巴塞尔协议是普遍接受的银行风险管理的协议、监理标准与指导原则,银监会按照巴塞尔协议的原则对银行进行监管。回顾我国商业银行的发展历程,我国商业银行资本充足率和资本结构在不断改善,但存在融资渠道过于依赖外部资金注入的问题。商业银行应加强自身盈利能力和风险管理能力来提高资本充足率。

The Basel Accord is the widely applied gui deline of bank risk management,the CBRC supervises the commercial banks according to the principle of Basel Accord.The development process of the commercial banks shows they have continuous improvement in meeting the capital requirements,and mostly they depend on the capital injection from the outside.The commercial banks should raise the ratio of capital to assets by the channel of raise the earning and improve the risk management.