我国商业银行资本金问题研究

A Research into the Capital Fund of Our Commercial Banks

我国商业银行究竟需要多少资本金,才能满足商业银行业务发展需要、增强老百姓对银行的信心以及满足监管当局的要求,应考虑多种因素,如银行体制、银行业务发展现状及趋势、风险状况及不良资产处置效率、国家政策支持、保护程度和国家信誉保证程度等。目前商业银行的资本充足率偏低,应多渠道筹措资本,提高资本充足率。

Capital fund plays multiple roles in the operation of commercial banks. As concerns the amount of capital fund for meeting commercial banks' demand for business development, enhancing ordinary people's confidence in banks and satisfying supervising authority's requirements, many factors should be under consideration. Mechanism of banks, status and trend of banking business, risk analysis and non-performing assets disposal efficiency, state support and protection policy, and state credit worthiness guarantee, are only a few of them. In view of the present low capital adequacy rate of our commercial banks, we should raise funds through diversified channels.