略论国有商业银行资本充足率

A Brief Discussion on the Capital Adequacy Rate of State-Owned Commercial Banks

商业银行抵御金融风险的能力和业务扩张的能力取决于资本实力。国际上的《巴塞尔协议》和我国《商业银行法》都规定商业银行资本充足率不得低于 8%。我国国有商业银行由于自我积累率低、筹资渠道单一、资产结构不合理等原因 ,资本充足率长期偏低 ,竞争劣势明显。为此 ,我国国有商业银行必须采取有效措施 ,尽快提高资本充足率 ,增强竞争力 。

The commercial banks capability of resisting risk,of financial expansion depends on its capital.According to Basle Capital Accord and China's Commercial Bank Law ,its capital adequacy rate mustn't be lower than 8%.However,China's state-owned commercial banks have had a capital adequacy rate lower than 8% for a long time and thus they are less competent.Facing the challenge of foreign banks,they have to take effective measures to enhance both the capital adequacy rate and competence.