国际银行资本管理模式的演变对我国的启示

The Enlightment our Country Gains from the Evolution of the International Banking capital Management Model

在国际金融监管越来越重视节约成本、提高效率的大趋势下 ,银行资本充足率管理方式正在从利用库克比率向利用银行内部风险管理模型 CAR转变。面对这一国际潮流 ,必须尽快改革我国落后的金融监管体制 ,创造利用 CAR模型进行监管的条件 。

More and more attention has been paid to cutting down cost and raising efficiency in the international financial supervision.Under this trend,the supervisory model of banking capital adequacy rate is transforming from making use of Cooke Ratio to making use of CAR the internal model of bank risk management. Facing this trend,we must reform our backward financial supervisory system as early as possible.and create conditions for the use of CAR model to link up with the international financial supervisory model.