对城市商业银行实施新资本管理办法的调查思考

Investigation on the Implementation of the New Capital Management Measures for the City Commercial Banks

《商业银行资本管理办法(试行)》(以下简称《资本办法》)正式实施一年多来,深刻影响了我国银行业的经营发展。而实施新资本管理办法是一项复杂的系统工程,相比较大型银行而言,城市商业银行实施基础相对薄弱,面临的挑战更多、困难更大,需要主动转变传统粗放的经营理念和模式,搭建全面风险管理框架,真正实现经营转型。

＂Measures on capital management of commercial banks （for Trial Implementation）＂ （hereinafter referred to as the ＂capital＂） formally implemented for more than a year, has a profound impact on our banking business development. And the implementation of the new capital management is a complicated system engineering, compared with large banks, city commercial banks to implement the base is relatively weak, the greater the challenge more difficult, need to take the initiative to change, the traditional extensive business concept and mode, to build a comprehensive risk management framework, realize the transformation of camp