资本监管标准与金融安全机理探讨

资本作为一种风险缓冲剂,具有承担风险、吸收损失、保护银行抵御意外冲击的作用,是保障银行安全的最后一道防线,实施资本监管是保证金融安全的主要手段。本文运用数学模型分析工具,从金融安全的角度对金融业资本监管进行了分析,得出了合乎逻辑的理论结论,为实践中的运用提供了理论基础。本文的研究在于丰富金融监管理论文献的同时,也为指导我国金融业今后的发展提出了重要的理论证据。

The Analysis of Capital Requirement and Financial Security

Capital is a cushion of risk.It assures risk,absorbs loss,and protects bank from outside shocks.So it is the bottle line of bank security.Capital requirement is a pivotal tool of financial security.Through building a model, this paper analyzes the capital requirement in financial sector from a perspective of financial security,and concludes reasonable results,and laysa foundation for practice.This paper not only contributes to the literature,but also suggests some policies.