W农村商业银行资本充足率管理研究

发布时间：2018-01-05 00:01

本文关键词：W农村商业银行资本充足率管理研究　出处：《华中科技大学》2013年硕士论文　论文类型：学位论文

【摘要】：我国的资本充足率监管标准越来越严格，年初试行的《商业银行资本管理办法》，被称为中国的“巴塞尔协议III”。本文在介绍资本充足率相关概念的基础上，阐述了资本充足率管理理论即《巴塞尔协议》的历史沿革及特点，进而分析了它在我国的应用。其应用主要体现在我国银监会2004年颁布的《商业银行资本充足率管理办法》及2012年《商业银行资本管理办法》上。目前我国的资本充足率管理以最新颁布的《商业银行资本管理办法》为准。由于该办法提高了资本充足率的监管标准，并且调整了监管资本和资产的风险权重体系，所以会对银行的资本充足管理造成很大的影响。在此理论基础上，本文以W农村商业银行为例分析了该行的资本充足率管理水平及面临的一些问题和成因。W银行成立时间较短，其资本充足的管理还存在很多不足，新形势下要想在规模扩张的同时获取足够的资本补充，除了外部融资外，更要加强自身的盈利能力以获得内源资本补充。而随着我国利率市场化的推进，存贷利差带来的利润将会逐渐减少，，在新的政策新的环境下，要想获得更强的竞争力，W银行必须加快实施《商业银行资本办法》的保障环境建设，并且努力开拓新客户、新业务，增强自身的资本补充能力。
[Abstract]:The supervision standard of capital adequacy ratio in our country is becoming more and more strict. The "Capital Management measures of Commercial Banks" tried out at the beginning of this year. It is called "Basel Accord III" in China. On the basis of introducing the related concepts of capital adequacy ratio, this paper expounds the historical evolution and characteristics of capital adequacy ratio management theory, that is, Basel Accord. Then it analyzes its application in our country. Its application is mainly reflected in the measures for the Management of Capital adequacy ratio of Commercial Banks promulgated by CBRC on 2004 and the measures for Capital Management of Commercial Banks in 2012. The capital adequacy ratio management of our country is based on the newly promulgated Capital Management measures of Commercial Banks. As a result of this measure, the supervision standard of capital adequacy ratio has been improved. And adjusted the risk weighting system of capital and assets supervision, so it will have a great impact on the capital adequacy management of banks. On the basis of this theory. This paper takes W rural commercial bank as an example to analyze the management level of capital adequacy ratio and some problems and causes of the bank. In the new situation, in order to obtain sufficient capital supplement while the scale is expanding, besides external financing, we should strengthen our own profitability to obtain endogenous capital supplement, and with the development of interest rate marketization in China. The profit brought by deposit and loan interest difference will be gradually reduced. In the new policy and new environment, if we want to gain more competitive power, we must accelerate the implementation of "Commercial Bank Capital measures" to protect the environment construction. And strive to open up new customers, new business, to enhance their own capital replenishment ability.
【学位授予单位】：华中科技大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F275;F832.35

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