《巴塞尔协议》与我国商业银行资本充足率

目前 ,我国加入WTO后五年的缓冲期即将到期 ,我国商业银行与外资银行的竞争将日趋加剧 ,商业银行经营的稳健性以及防范风险能力日益重要 ,提高资本充足率对我国商业银行具有很强的现实意义。本文在对国内外商业银行资本充足状况进行比较分析的基础上 ,提出了提高我国商业银行资本充足率的对策建议。

Basel Capital Accord and capital adequacy rate of commercial bank in China

At present, the buffer period of accession to the WTO of China will exp ire soon, the competition between foreign-funded commercial banks and commercia l banks in China will aggravate day by day. The risk management of commercial ban k will be increasingly important. So, studying capital adequacy rate and its reg ulation will have very strong realistic meanings for commercial bank. The compa ring analysis and the research were used in the thesis. There were some suggest ions on commercial banks.