浅谈商业银行融资方式

Discussion on Financing Methods of Commercial Banks

2014年中国证监会和银监会出台了相应的文件,优先股可以在中国发行,这为中国的商业银行提供了新的融资途径。同时中国银监会对国内商业银行的监管提出了更高要求,即核心一级资本充足率不低于8.5%、一级资本充足率不低于9.5%和资本充足率不低11.5%的监管标准。与此同时,银行选择不同的融资方式会对其资本充足率等有着显著的不同影响。论文将就对商业银行融资方式进行简要分析,之后着重分析优先股融资对商业银行的益处。

In 2014, China Securities Regulatory Commission and China Banking Regulatory Commission （ CBRC） issued corresponding documents, whichstipulatedthatpreferredshares canbe issuedin China, and provides newfinancingchannelsforChina＇s commercialbanks. At the same time, Chinese CBRC has put forward higher requirements on the domestic commercial bank supervision, capital adequacy ratio at core levelisnotlessthan8.5%,acapitaladequacyratio isnotlessthan9.5%andthecapitaladequacyratioisnotlowthan 11.5%ofminimumregulatorystandards. At the same time, banks choose different financing methods will have a significant different impact on their capital adequacy ratio.Therefore, this paper will make abrief analysis of the financing methods of commercial banks, andthen focus on the advantages of preferred stock financingto commercial banks.