本文選題：商業(yè)銀行 + 資本結構�。� 參考：《天津財經大學》2006年碩士論文

【摘要】：我國加入世界貿易組織之后,不斷放寬外資銀行在我國開展金融業(yè)務的條件,并且按照《巴塞爾新資本協(xié)議》的要求出臺了《商業(yè)銀行資本充足率管理辦法》,入世五年后將基本取消對于外資銀行的限制。但與熟悉國際慣例的外資銀行相比,對于如何改進資本金的管理仍然是我國商業(yè)銀行需要改革和面臨的問題。鑒于此,本文針對我國商業(yè)銀行資本金管理問題展開研究。 資本金管理的兩個重要方面就是資本與風險資產,所以本文以資本理論和風險理論作為全文的理論依托,主要包括資本結構理論、金融脆弱理論、風險價值理論。特定的研究不僅需要相關的理論作為基礎,而且需要有特定的研究方法。本文的研究過程中主要運用了理論分析與實證研究相結合及綜合歸納與具體分析相結合的方法。 本文從健全商業(yè)銀行經營管理的視角出發(fā),對我國商業(yè)銀行資本金管理從理論與實踐兩方面進行了系統(tǒng)論述,而且以《巴塞爾新資本協(xié)議》作為研究的依托,結合我國實際分析我國商業(yè)銀行資本金管理的歷史、現(xiàn)狀及存在的問題,并分別從樹立經濟資本理念、提高資本充足率防范系統(tǒng)性風險、改善資本結構降低資本成本三方面提出了相應對策,具有較強的實際意義。
[Abstract]:After China's accession to the World Trade Organization, the conditions for foreign banks to carry out financial business in China have been continuously relaxed. In accordance with the requirements of the Basel New Capital Accord, the regulations on the Capital adequacy ratio of Commercial Banks have been issued, and the restrictions on foreign banks will be basically abolished five years after China's accession to the WTO. However, compared with foreign banks familiar with international practice, how to improve the management of capital is still a problem that our commercial banks need to reform and face. In view of this, this paper focuses on the capital management of commercial banks in China. The two important aspects of capital management are capital and risky assets, so this paper takes the capital theory and risk theory as the theoretical basis of the full text. Mainly includes the capital structure theory, the financial fragility theory, the risk value theory. Specific research requires not only relevant theories, but also specific research methods. In the course of the research, the author mainly uses the methods of combining the theoretical analysis with the empirical research and the combination of the comprehensive induction and the concrete analysis. This paper starts from the perspective of perfecting the management of commercial banks. This paper systematically discusses the capital management of commercial banks in our country from two aspects of theory and practice, and analyzes the history of capital management of commercial banks in our country based on the Basel New Capital Accord and the actual situation of our country. The present situation and the existing problems are put forward from three aspects of setting up the concept of economic capital, raising the capital adequacy ratio to prevent the systematic risk and improving the capital structure to reduce the capital cost, which is of great practical significance.
【學位授予單位】：天津財經大學
【學位級別】：碩士
【學位授予年份】：2006
【分類號】：F832.33

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本文編號：2001530