05-19-我国银行应对巴塞尔资本协议新规定的策略研究

下载后可任意编辑我国商业银行应对巴塞尔协议最新规定的策略讨论陆岷峰1，汪祖刚2（南京财经大学金融学院，江苏，南京，210046）[摘要]由美国 2024 年次贷危机引发的全球金融危机，至今仍深刻影响着全球经济的进展。“前车之覆，后车之鉴”，它不仅给世界银行业带来了深刻的变化，也给监管部门提出了新的挑战和要求。为弥补危机中所暴露出的金融监管方面的缺陷和不足，巴塞尔协议Ⅲ应运而生。新的监管规则出台后，中国作为成员国之一，不仅需要跟进世界监管标准，更需要认清自身进展现状，厘清与新的监管标准存在的差距和不足，并在此基础上从加快转变进展模式、扩宽资本补充渠道、完善资产和负债全面匹配的流动性管理机制以及创新金融监管模式，增强宏观审慎的协同效应等方面着手应对新的监管要求。[关键字]商业银行；巴塞尔协议；策略[文章编号] [中图分类号] [文献标识码]收稿日期：2012/05/04Strategy Research about Commercial Banks to Deal with the Latest Regulations of Basel Capital AccordLu Minfeng，Wang Zugang(Nanjing University of Finance and Economics, Jiangsu, Nanjing, 210046)Abstract: The global financial crisis caused by the U.S. subprime crisis in 2024 is still a profound impact on the global economy. " Error of the past is the wisdom and success of the future ", not only does it change the world banking deeply, but also make regulators face new challenge and requirements. In order to make up for a crisis which exposes financial regulatory defects and the insufficiency, the Basel Capital Accord Ⅲ arises at the historic moment. As one of the members, China not only needs to follow up the world regulatory standards, more needs to recognize its development status and clarifies the gaps and deficiencies with the new regulatory standards. On this basis, speed up development pattern, widen the capital supplementary channels, improve the overall matching of assets and liabilities of the liquidity management mechanism and innovative financial regulatory...