我国商业银行资本监管探析

Analysis on the Capital Supervision of China's Commercial Banks

有效的银行资本监管对银行业乃至整个经济都具有至关重要的作用。资本监管不仅是银行宏观审慎监管的核心,更能促使商业银行牢固稳健思想,从而控制整个银行业系统的风险。当前我国银行资本监管不断革新,对系统重要性银行、中小型银行都提出了挑战,并且反映出逆周期缓冲资本利用不足、金融风险监管缺乏前瞻性等问题,因而提出优化资本管理方式、加快金融创新、引导差异化发展策略、个别流动性标准、及时修正监管政策等政策建议。

Effective supervision of bank capital is imperative for the banking sector and the broader economy.Capital supervision is the core of macroprudential oversight.It can reinforce commercial banks'commitment to solidity and resilience,thus mitigating systemic risks within the banking industry.Presently,the continuous evolution of capital supervision in our nation presents significant challenges to banks of systemic importance as well as to small and medium-sized institutions.This has highlighted deficiencies such as the underutilization of countercyclical buffer capital and a shortfall in proactive financial risk management.This paper advocates for a suite of policy recommendations aimed at refining capital management modes,expediting financial innovation,fostering differentiated growth strategies,implementing bespoke liquidity standards,and the prompt adjustment of supervisory frameworks.