银行新型管理工具——经济资本管理的国内应用

New Management Tool of Bank——Domestic Application of Economic Capital Management

随着银行经营管理的重点由传统的资产负债管理逐步过渡到全面风险管理,如何实现资本约束下资源的有效配置,实现银行价值最大化,成为银行经营管理的重点。本文在介绍经济资本管理的基础上,总结了经济资本管理工具可运用方面及目前国内银行实际运用中主要存在的问题及困难;并从转变经营理念、构建内部信息数据库和成本分摊体系、逐步建立以经济资本管理为核心的综合考评体系三个主要方面提出建议。

With the core content of bank management transmitting from assets liabilitly management to the risk management,how to realize the max value of bank by using the limited capital is the key point of bank management.This paper introduces the concept of economic capital management,and sums up the main problems and difficulties of domestic banks in practical application.Then,we comes to three corresponding suggestions to improve：change business philosophy,construct internal information database and cost sharing system,gradually establish performance appraisal system focusing on economic capital management.