巴塞尔协议Ⅲ与我国商业银行监管研究

On Basel ⅢNorms and the Research of Supervision of Commercial Bank in China

国际金融风暴暴露了欧美国家的金融体系监管的重大漏洞,在金融风暴的背景下,巴塞尔委员会于2010年正式发布了第三版巴塞尔协议,它在监管范围、资本充足率等问题上均有较大的发展,加大了对银行业的监管。在分析巴塞尔协议Ⅲ的资本充足率指标、中国银监会面对巴塞尔协议Ⅲ对中国商业银行制定的相关监管指标,以及几年的监管实践后,指出中国商业银行在新的监管指标体系下存在的问题,提出我国商业银行监管的对策建议。

The financial turmoil has exposed major loopholes of Europe and the United States financial system supervision. Under the background of the financial turmoil, the Basel Committee issued Basel Ⅲ in 2010. It has been improved in scope of regulation, and capital adequacy ratio and increased its supervision of the banking sector. This document focuses on the analysis of Basel Ⅲ Capital Adequacy Ratio indicators, China Banking Regulatory Commission will face the Basel Protocol III of commercial banks in the PRC for the relevant regulatory indicators, as well as several years of regulatory practice, and pointed out that the problems of China’s commercial banks in the new regulatory system, proposed for commercial banks in China regulatory measures.