本文選題：巴塞爾協(xié)議Ⅲ + 資本協(xié)議��； 參考：《國際金融研究》2011年03期

【摘要】：本文在回顧巴塞爾資本協(xié)議發(fā)展歷程的基礎(chǔ)上,分析了巴塞爾協(xié)議Ⅲ在資本監(jiān)管改革中的重大突破;通過對歐洲、美國、印度和中國銀行業(yè)資本充足率的研究表明,盡管短期內(nèi),國際銀行能夠滿足巴塞爾協(xié)議Ⅲ的資本要求,但長期來看,資本缺口很大。為彌補資本缺口,不可避免地將導(dǎo)致銀行成本增加、信貸增速放緩和經(jīng)濟增長減緩,特別是對于像中國這樣以銀行融資為主的發(fā)展中國家而言,影響更大。為此,商業(yè)銀行應(yīng)采取措施改進資本效率、改善流動性和融資管理、重構(gòu)資產(chǎn)負債表和調(diào)整經(jīng)營模式,以減少負面沖擊。
[Abstract]:On the basis of reviewing the development process of Basel capital agreement, this paper analyzes the major breakthrough in the reform of capital regulation in the Basel Agreement III; through the study of the capital adequacy ratio of the European, United States, India and China banks, it shows that, in the short term, the international banks are able to meet the capital requirements of the Basel Agreement III, but in the long run, the capital is funded. This gap is very large. In order to make up the capital gap, it will inevitably lead to increased bank costs, slow growth of credit growth and slow economic growth, especially for developing countries such as China, which are mainly bank financing. For this reason, commercial banks should take measures to improve capital efficiency, improve liquidity and financing management. Balance sheets and adjust business models to reduce negative impact.
【作者單位】： 重慶大學(xué)經(jīng)濟與工商管理學(xué)院金融系;
【基金】：國家社會科學(xué)基金(編號:09BJL024) 重慶市自然科學(xué)基金(編號:2009BB2042)資助
【分類號】：F831.1
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本文編號：1914397