本文選題：巴塞爾協(xié)議Ⅲ + 資本協(xié)議�。� 參考：《國(guó)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(guò)對(duì)歐洲、美國(guó)、印度和中國(guó)銀行業(yè)資本充足率的研究表明,盡管短期內(nèi),國(guó)際銀行能夠滿(mǎn)足巴塞爾協(xié)議Ⅲ的資本要求,但長(zhǎng)期來(lái)看,資本缺口很大。為彌補(bǔ)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(jì)增長(zhǎng)減緩,特別是對(duì)于像中國(guó)這樣以銀行融資為主的發(fā)展中國(guó)家而言,影響更大。為此,商業(yè)銀行應(yīng)采取措施改進(jìn)資本效率、改善流動(dòng)性和融資管理、重構(gòu)資產(chǎn)負(fù)債表和調(diào)整經(jīng)營(yíng)模式,以減少負(fù)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(jì)與工商管理學(xué)院金融系;
【基金】：國(guó)家社會(huì)科學(xué)基金(編號(hào):09BJL024) 重慶市自然科學(xué)基金(編號(hào):2009BB2042)資助
【分類(lèi)號(hào)】：F831.1
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本文編號(hào)：1914397