巴塞尔协议Ⅲ及其对国际银行业的影响

发布时间：2018-05-20 11:16

  本文选题：巴塞尔协议Ⅲ + 资本协议　； 参考：《国际金融研究》2011年03期

【摘要】：本文在回顾巴塞尔资本协议发展历程的基础上,分析了巴塞尔协议Ⅲ在资本监管改革中的重大突破;通过对欧洲、美国、印度和中国银行业资本充足率的研究表明,尽管短期内,国际银行能够满足巴塞尔协议Ⅲ的资本要求,但长期来看,资本缺口很大。为弥补资本缺口,不可避免地将导致银行成本增加、信贷增速放缓和经济增长减缓,特别是对于像中国这样以银行融资为主的发展中国家而言,影响更大。为此,商业银行应采取措施改进资本效率、改善流动性和融资管理、重构资产负债表和调整经营模式,以减少负面冲击。
[Abstract]:On the basis of reviewing the development process of Basel capital agreement, this paper analyzes the major breakthrough in the reform of capital regulation in the Basel Agreement III; through the study of the capital adequacy ratio of the European, United States, India and China banks, it shows that, in the short term, the international banks are able to meet the capital requirements of the Basel Agreement III, but in the long run, the capital is funded. This gap is very large. In order to make up the capital gap, it will inevitably lead to increased bank costs, slow growth of credit growth and slow economic growth, especially for developing countries such as China, which are mainly bank financing. For this reason, commercial banks should take measures to improve capital efficiency, improve liquidity and financing management. Balance sheets and adjust business models to reduce negative impact.
【作者单位】： 重庆大学经济与工商管理学院金融系;
【基金】：国家社会科学基金(编号:09BJL024) 重庆市自然科学基金(编号:2009BB2042)资助
【分类号】：F831.1
，

本文编号：1914397