对我国银行业进入第二波融资高峰期的几点认识

目前我国上市银行融资和再融资活动的基本现状和特征,说明我国银行业已步入第二波融资高峰期,其产生主要缘于新的宏观经济背景、信贷扩张和资本监管要求的提高。尽管通过市场化手段——资本市场的融资和再融资方式可以解决上市银行的资本充足率不足问题,但鉴于上市银行具有天然的再融资冲动与偏好,因此,实现银行经营方式从以信贷资产规模扩张为主导的外延粗放型向内涵集约型增长转变,才是遏制未来上市银行无节制的再融资冲动与需求的可行之路。

Some Meditations on Entering the Second Wave of Initial Public Offering by China' s Banking Business

Current situation and characteristics of the financing and refinancing of China＇ s banks going public offerings show China＇ s banking business has already entered the second wave of public offerings accounted for mainly by the macroscopic new economic background, credit expansion and the higher requirement of the capital supervision. Despite by means of marketizing that＇ s to say by capital market＇ s pattern of initial public offering and refinancing we may solve the problem of insufficiency of capital adequacy ratio on the part of the banks going public, nevertheless, in light of the impulse and preference possessed instinctively by the banks going public for refinancing, the feasible channel to contain the unchecked impulse and requirement of banks going public in the future should inevitably be a change in the pattern of banking management, from the extension pattern dominated by the credit seopic expansion to the intension pattern.