“中国版巴塞尔协议Ⅲ”对银行业的影响

On the Impact of Chinese Version of Basel Agreement Ⅲ on Banking

"巴塞尔协议Ⅲ"出台后,我国制定了"中国版巴塞尔协议Ⅲ"。本文对"中国版巴塞尔协议Ⅲ"与"巴塞尔协议Ⅲ"的内容及分阶段实施安排,进行了详细对比,分析了产生差异的原因,和"中国版巴塞尔协议Ⅲ"对商业银行经营与管理的影响,并提出了应对措施及建议。商业银行应吃透"中国版巴塞尔协议Ⅲ"的监管内容,尽快建立适合本行的风险管理框架,并实时调整发展战略以应对新协议的实施。

Before the subprime mortgage crisis emerged,China was still pushing Basel Ⅱ forward.After the crisis arose,China responded positively and promptly to the crisis,setting up Chinese version of Basel III immediately within one year after Basel III was issued.This essay compares the content and gradual implementation arrangement in detail between Basel Ⅲ and Chinese version of Basel Ⅲ,analyzes the reasons of the difference and the impact of Chinese version of Basel Ⅲ on the commercial banking management in China in the future,and puts forward corresponding suggestions.The banks of China shall understand the supervisory content of Chinese version of Basel III thoroughly,create the risk management framework that suits the banks and make real-time adjustment on strategic development to respond to the implementation of Chinese version of Basel Ⅲ.