I摘要政府对于银行资本金的要求是维持金融体系稳定，防范风险的重要环节，保留一定的资本金可以作为不利冲击来临时的有效应对方式，因此可以大幅降低金融机构破产的危机，进而增强金融市场的稳定性。在如今的金融全球化和金融自由化的背景下，金融业越加开放，此时监管机构也在逐渐提高资本充足率的监管要求，加大金融监管的力度。从1988年巴塞尔委员会出台的《巴塞尔协议》到2010年提出的《巴塞尔协议III》的历程中，对于银行资本的要求逐渐增多，监管力度也越发严格。而逐渐提高的资本充足率要求对于商业银行的经营能力所产生的影响也逐渐受到广大学者，商业银行以及监管机构的关注。本文围绕资本充足率对商业银行带来的影响这一话题，总结了之前国内外学者的观点，进而从理论和实证两个层面来具体分析这一问题。在理论分析中，本文涉及了金融监管理论，MM理论，信息不对称问题等一系列有关理论。在实证分析中，本文采用了我国十家知名上市商业银行2014年至2018年间五年的年报数据，利用SPSS21.0软件进行数据分析，建立多线性回归模型使资本充足率等五项指标和总资产收益率的关系得以显现。本文采用总资产收益率为指标，同时又通过对比其他几个变量，充分显现了资本充足率与银行盈利能力，营运能力以及稳健能力的关系。最后汇总出了资本充足率与商业银行经营能力二者之间呈现正向相关的结论，并针对这一结论提出了一些相应的建议。关键词：金融监管；资本充足率；商业银行IIAbstractThegovernment'srequirementforbankcapitalisanimportantlinkinmaintainingthestabilityofthefinancialsystemandpreventingrisks.Retainingacertainamountofcapitalcanbeusedasaneffectivewaytodealwithadverseimpactswhentheycome,thusgreatlyreducingthecrisisoffinancialinstitutionsbankruptcyandfurtherenhancingthestabilityofthefinancialmarket.Underthebackgroundoffinancialglobalizationandfinancialliberalization,thefinancialindustryisbecomingmoreandmoreopen.Atthistime,theregulatoryagenciesaregraduallyincreasingtheregulatoryrequirementsofcapitaladequacyratioandstrengtheningfinancialsupervision.Duringtheprocessfrom"BaselAccord"issuedbytheBaselCommitteein1988to"BaselAccordIII"proposedin2010,therequirementsforbankcapitalhavegraduallyincreasedandthesupervisionhasbecomemoreandmorestrict.However,theimpactofgraduallyincreasingcapitaladequacyratiorequirementsoncommercialbanks'operatingabilityhasgraduallyattractedtheattentionofscholars,commercialbanksandregulatoryagencies.Thisarticlefocusesonthetopicoftheimpactofcapitaladequacyratiooncommercialbanks,summarizesthepreviousviewsofscholarsathomeandabroad,andthenanalyzesthisissuefromboththeoreticalandempiricallevels.Inthetheoreticalanalysis,thisarticleinvolvesaseriesofrelatedtheoriessuchasfinancialsupervisiontheory,MMtheory,informationasymmetryandsoon.Intheempiricalanalysis,thispaperadoptstenwell-knownlistedcommercialbanksinChina.Keywords:financialregulation;capitaladequacyratio;commercialbankIII目录1导论············································································································································11.1选题背景·····················································································································11.2研究意义············································································...
