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脆弱的银行系统对于经济的潜在危害，在这场爆发于亚洲并波及世界的金融危机中已暴露无遗。危机过后，金融理论界及各国金融监管当局纷纷开始对现行的银行业国际监管标准产生了怀疑，普遍认为应尽快对现行的国际监管标准加以修订，使之更完善、更具有透明度，以强化国际银行系统的稳定性，消除因各国监管标准不同而产生的不平等竞争。在这种背景下，巴塞尔银行监管委员会成立了调查研究小组，在巴塞尔委员会十个成员国内，对于１９８８ 年发布实施的《巴塞尔协议》效果进行了调查分析，在对以往工作进行总结的基础上，提出了关于银行资本充足率标准的新框架的建议（ Ａ Ｎｅｗ Ｃａｐｉｔａｌ Ａｄｅｑｕａｃｙ Ｆｒａｍｅｗｏｒｋ） 。自１９９９ 年６ 月起，在经合组织（ Ｏ Ｅ Ｃ Ｄ） 成员国和非经合组织成员国金融监管当局、地区性监管团体及国际商业银行界广泛征求意见，征求意见的截止日期为２０００ 年３ 月３１ 日。
The potential financial vulnerability of the fragile banking system has been exposed in this financial crisis that erupted in Asia and spread to the rest of the world. After the crisis, the financial theory community and the financial regulatory authorities in various countries started to doubt the current international banking regulatory standards. It is generally agreed that the existing international regulatory standards should be amended as soon as possible to make them more perfect and transparent so as to strengthen the international The stability of the banking system eliminates unfair competition due to the different regulatory standards in various countries. In this context, the Basel Committee on Banking Supervision established a research team to investigate and analyze the effects of the Basel Accord, which was promulgated in 1988 in the 10 member countries of the Basel Committee. After summarizing previous work On the basis of this, a new capital Adequacy Framework was proposed for the bank’s capital adequacy ratio. As of June 1999, the deadline for soliciting opinions from the financial regulatory authorities of member countries of OECD and non-OECD countries, regional regulatory bodies and the international commercial banking community is 2000 March 31,.