| 略论国有商业银行资本充足率 |
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| 引用本文： | 苏快群,范丽萍.略论国有商业银行资本充足率[J].湖南文理学院学报(社会科学版),2002,27(4):15-17. |
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| 作者姓名： | 苏快群 范丽萍 |
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| 作者单位： | 岳阳广播电视大学 湖南岳阳411000
(苏快群)，岳阳广播电视大学 湖南岳阳411000(范丽萍) |
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| 摘 要： | 商业银行抵御金融风险的能力和业务扩张的能力取决于资本实力。国际上的《巴塞尔协议》和我国《商业银行法》都规定商业银行资本充足率不得低于 8%。我国国有商业银行由于自我积累率低、筹资渠道单一、资产结构不合理等原因 ,资本充足率长期偏低 ,竞争劣势明显。为此 ,我国国有商业银行必须采取有效措施 ,尽快提高资本充足率 ,增强竞争力 ,主动迎接外资银行的挑战
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| 关 键 词： | 国有商业银行 资本金 资本充足率 |
| 文章编号： | 1009-489X(2002)04-0015-03 |
| 修稿时间： | 2002年3月10日 |
A Brief Discussion on the Capital Adequacy Rate of State- Owned Commercial Banks |
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| SU Kuai-qun,FAN Li-ping.A Brief Discussion on the Capital Adequacy Rate of State- Owned Commercial Banks[J].Journal of Hunan University of Arts and Science:Social Science Edition,2002,27(4):15-17. |
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| Authors: | SU Kuai-qun FAN Li-ping |
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| Abstract: | The commercial banks capability of resisting risk,of financial expansion depends on its capital.According to Basle Capital Accord and China's Commercial Bank Law ,its capital adequacy rate mustn't be lower than 8%.However,China's state-owned commercial banks have had a capital adequacy rate lower than 8% for a long time and thus they are less competent.Facing the challenge of foreign banks,they have to take effective measures to enhance both the capital adequacy rate and competence. |
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| Keywords: | state-owned commercial bank capital capital adequacy rate |
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