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2004年2月银监会颁布《商业银行资本充足率管理办法》,对我国商业银行资本充足率计算方法进行了规范,同时规定了商业银行资本充足率达标的最后期限。而我国五家上市银行近年来资本充足率水平总体呈下降趋势,与国际银行业存在着较大的差距。本文通过对我国上市银行资本充足率现状及其成因的分析,提出了提高资本充足率的对策建议。
In February 2004, the CBRC promulgated the Measures for the Administration of Capital Adequacy of Commercial Banks, regulating the calculation method of capital adequacy ratio of commercial banks in China and setting the deadline for meeting the capital adequacy ratio of commercial banks. However, the capital adequacy ratio of the five listed banks in China has shown an overall declining trend in recent years, and there is a big gap with the international banking industry. Based on the analysis of the status quo and causes of the capital adequacy ratio of listed banks in our country, this paper puts forward countermeasures and suggestions on how to raise the capital adequacy ratio.