资本管理在商业银行分行经营管理中的现实意义

Practical Significance of Capital Management in the Operation of Branch of Commercial Bank

新资本管理办法实施、利率市场化进程的加速、金融创新层出不穷,商业银行靠天然利差生存的时代即将谢幕。资本约束在商业银行发展进程中,成为最大的掣肘。通过对资本约束、商业银行总行-分行资本管理体系的搭建、资本管理在商业银行分行的作用的剖析,提出商业银行分行资本管理的现实意义,并根据分行自身特色与不同发展阶段,需要对资本、管理体系进一步细化和创新。

Nowadays, the CBRC issued the Regulation Governing Capital of Commercial Banks, marketization of interest rate also speeded up. Under the age of continuous financial innovation, commercial banks can not survive only by net interest spread. Capital constraints become the major encumbrance of commercial bank＆#39;s development. This article analyzes the impact of capital constraints, capital management system under the headquarter-branch organization, and the implement of capital management in branches. Also it gives an unique insight into the capital management on branches of commercial bank.