股份制商业银行资本补充的难题与政策建议

Difficulties and Policy Suggestions for Capital Replenishment of Joint-Stock Commercial Banks

在当前逆周期信贷调节和金融供给侧结构性改革的政策环境下,银行面临的竞争压力明显加剧,资本管理要求将相应提升。股份行要进一步加大核心一级资本补充力度,着力优化资本结构,合理控制有息负债规模。但要有效补充核心一级资本,需要依靠股份行自身、监管政策和市场三方的共同努力。文章结合股份行资本与资本补充途径的现状,提出具体政策建议。

In the current policy environment of countercyclical credit adjustment and financial supply-side structural reforms,the competitive pressure facing banks have increased significantly,and the capital management requirements will increase accordingly.Joint-stock banks should further increase core tier 1 capital replenishment,focus on optimizing the capital structure,and rationally control the scale of interest-bearing liabilities.However,to effectively supplement core tier 1 capital,the joint efforts of the joint-stock banks themselves,regulatory policies and the market are required.The article proposes specific policy recommendations based on an analysis of the current status of capital and its replenishment channels of joint-stock banks.