资本新规对银行业务发展的影响及应对策略研究

Research on the Impact of New Capital Regulations on Commercial Banks and Coping Strategy

近年来,由于受内外部环境影响,部分商业银行信用风险相继暴露、资产盈利能力下滑、核心资本持续承压,资本新规的落地对银行风险抵御能力和资本管理能力提出更高要求,进一步推动了我国商业银行的转型发展。为有效应对新规对商业银行风险资产计量、风险自评及监管检查、信息披露等方面的最新监管要求,文章提出商业银行可以通过深入剖析自身资本运行情况,进一步以RWA和RORAC管理为核心优化调整业务结构,建立健全信用风险管理,完善底层数据治理、加快资本系统建设等系列工作实现新旧规定顺利换轨实施,加速推动银行从高速增长向高质量发展转型。

In recent years,influenced by internal and external environments,some commercial banks have been exposed to credit risks,their asset profitability has declined,and their core capital has been under pressure.With the implementation of the new capital regulations,there are higher requirements for the risk resistance and capital management capabilities of banks,which also further promotes the transformation and development of the banks.To effectively respond to the new regulatory requirements on the measurement of risk assets,risk self-assessment and supervisory inspections,and information disclosure,the article proposes that commercial banks can dissect their own capital operations.They can further optimize and adjust their business structure with a focus on RWA and RORAC management,enhance credit risk management,improve underlying data governance,and accelerate the construction of capital systems,so as to realize a smooth transition from old to new regulations while accelerating the transformation from high-speed growth to high-quality development.