中小银行资本补充的现状、困难与出路

Current Status,Difficulties and Solutions of Capital Replenishment in Small and Medium-Sized Banks

2019年以来,从金融委到一行二会,多次提及要大力支持商业银行补充资本,尤其是重点支持中小银行补充资本,可见中小银行资本补充的重要性和艰巨性。有鉴于此,文章从现状出发,研究中小银行资本补充的主要困难,从改善中小银行的融资环境、鼓励地方政府发行特别地方债、进一步完善现有资本补充方式等方面尝试提出中小银行资本补充的具体建议。

Since 2019,the Financial Stability and Development Commission under the State Council,accompanied by PBOC,CBIRC and CSRC,has repeatedly mentioned that it is necessary to firmly support commercial banks,especially small and medium-sized commercial banks,to replenish their capital,indicating the importance and difficulty of capital replenishment in small and medium-sized banks.In view of this and based on the current status of capital replenishment in small and medium-sized banks,this article studies the main difficulties of capital replenishment facing such banks,and attempts to propose specific recommendations including improving their financing environment,encouraging local governments to issue special local debt,and further improving their existing capital replenishment methods.