“监管新规”实施后我国商业银行面临的风险及对策

Analysis about Risks and Countermeasure of Our Commercial Banks after " New Regulations"

2013年1月1日起开始实施的商业银行"监管新规"对资本充足率、前瞻性贷款损失拨备指标、杠杆率指标、流动性监管指标等四大指标设置了更为严格的要求,在强化监管的同时也使得我国商业银行面临资本缺口提高、盈利和存款竞争压力加大等风险。为了应对和规避"监管新规"引发的风险,建议商业银行采取提高资本管理水平、合理利用资产证券化工具、风险管理精细化、以推动创新的视角加强杠杆率管理、重视提高流动性管理水平、积极通过业务转型降低风险加权系数等举措。

＂New regulation＂ on commercial banks, implemented on January 1, 2013, set up more strict requirements on four index including capital adequacy ratio, prospective loan loss provisions, leverage, and liquidity regulation. Under ＂new regulation＂ with strengthened supervision, commercial banks face with some risks as higher capital shortfall, bigger pressure on profit and deposit competition. In order to deal with the risks inspired by ＂new regulation＂, some suggestions on commercial banks is proposed, including higher level of capital management, reasonable use of asset seeuritization, more fine risk management, more stringent management of leverage under perspective of innovation, higher level of liquidity management, and lower risk coefficient weighted through business transformation.