中国商业银行次级债管理

为科学有效地实施中国商业银行次级债管理,收集了大量关于中国商业银行次级债管理过程所出现问题的数据和资料,这些问题包括发行目的单一、相互持有、发行利率偏低等,然后对这些问题进行了分析。分析认为,这些问题既有银行自身的原因,也有政府和监管部分的原因。同时认为,借鉴国际银行业先进经验,结合中国国情,加强商业银行次级债管理,必须从银行自身、政府和监管部门等方面采取有力措施：优化次级债管理的外部环境;加强次级债的内部管理;完善政府对次级债的监管。

Subordinated debt management for China's commercial banks

In order to carry out the subordinated debt management for China＇s commercial banks, the authors in this paper have collected a lot of data concerning the problems in the subordinated debt management and analyzed such matters as only-one-goal releasing, matually holding and low-interest re- leasing. The authors think that the present problems may be due either to the banks themselves or to government supervision and management. The authors believe that it is necessary to learn form the advanced experience abroad, to strengthen the subordinated debt management for the banks, to take effective measures in the self construction of the banks and supervision and management of the government, to optimize exterior environment of the banks and to do a good job for the interior management of the banks.