本文關鍵詞：W農(nóng)村商業(yè)銀行資本充足率管理研究　出處：《華中科技大學》2013年碩士論文　論文類型：學位論文

  更多相關文章： 資本充足率 資本監(jiān)管 巴塞爾協(xié)議

【摘要】：我國的資本充足率監(jiān)管標準越來越嚴格，年初試行的《商業(yè)銀行資本管理辦法》，被稱為中國的“巴塞爾協(xié)議III”。本文在介紹資本充足率相關概念的基礎上，闡述了資本充足率管理理論即《巴塞爾協(xié)議》的歷史沿革及特點，進而分析了它在我國的應用。其應用主要體現(xiàn)在我國銀監(jiān)會2004年頒布的《商業(yè)銀行資本充足率管理辦法》及2012年《商業(yè)銀行資本管理辦法》上。目前我國的資本充足率管理以最新頒布的《商業(yè)銀行資本管理辦法》為準。由于該辦法提高了資本充足率的監(jiān)管標準，并且調(diào)整了監(jiān)管資本和資產(chǎn)的風險權重體系，所以會對銀行的資本充足管理造成很大的影響。在此理論基礎上，本文以W農(nóng)村商業(yè)銀行為例分析了該行的資本充足率管理水平及面臨的一些問題和成因。W銀行成立時間較短，其資本充足的管理還存在很多不足，新形勢下要想在規(guī)模擴張的同時獲取足夠的資本補充，除了外部融資外，更要加強自身的盈利能力以獲得內(nèi)源資本補充。而隨著我國利率市場化的推進，存貸利差帶來的利潤將會逐漸減少，，在新的政策新的環(huán)境下，要想獲得更強的競爭力，W銀行必須加快實施《商業(yè)銀行資本辦法》的保障環(huán)境建設，并且努力開拓新客戶、新業(yè)務，增強自身的資本補充能力。
[Abstract]:The supervision standard of capital adequacy ratio in our country is becoming more and more strict. The "Capital Management measures of Commercial Banks" tried out at the beginning of this year. It is called "Basel Accord III" in China. On the basis of introducing the related concepts of capital adequacy ratio, this paper expounds the historical evolution and characteristics of capital adequacy ratio management theory, that is, Basel Accord. Then it analyzes its application in our country. Its application is mainly reflected in the measures for the Management of Capital adequacy ratio of Commercial Banks promulgated by CBRC on 2004 and the measures for Capital Management of Commercial Banks in 2012. The capital adequacy ratio management of our country is based on the newly promulgated Capital Management measures of Commercial Banks. As a result of this measure, the supervision standard of capital adequacy ratio has been improved. And adjusted the risk weighting system of capital and assets supervision, so it will have a great impact on the capital adequacy management of banks. On the basis of this theory. This paper takes W rural commercial bank as an example to analyze the management level of capital adequacy ratio and some problems and causes of the bank. In the new situation, in order to obtain sufficient capital supplement while the scale is expanding, besides external financing, we should strengthen our own profitability to obtain endogenous capital supplement, and with the development of interest rate marketization in China. The profit brought by deposit and loan interest difference will be gradually reduced. In the new policy and new environment, if we want to gain more competitive power, we must accelerate the implementation of "Commercial Bank Capital measures" to protect the environment construction. And strive to open up new customers, new business, to enhance their own capital replenishment ability.
【學位授予單位】：華中科技大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F275;F832.35

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本文編號：1380654