我国商业银行应对资本监管的经营管理策略

On the Management Strategies of Chinese Commercial Banks to Capital Regulation

银行监管的核心问题是资本监管问题。本文依据巴塞尔协议构建的全球银行监管框架,分析了我国商业银行资本监管日趋严格的现状和国外商业银行针对资本监管采用的经营管理策略。在深入剖析资本监管对我国商业银行经营管理影响的基础上,提出了我国商业银行应采取资本筹集、资产证券化和改变经营管理模式等3个策略来应对新的资本监管标准。

Capital regulation is the core of the banking supervision. Based on the global banking regulatory framework of Basel Capital Accord, the author elaborates the status quo of China＇s commercial bank capital regulation. Through introducing the management strategies used for capital regulation of foreign commercial banks, the author analyzes the impact of capital regulation on the operation and management of the commercial banks in China, and argues that our commercial banks should take three management strategies ranging from the capital raising, the asset securitization to the new management model.