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信贷资产的风险资本金和流动性问题2004年以来,基金、理财、信托、企业年金、保险资金等新型机构投资方式快速发展,信贷资金来源形势严峻,存贷比、期限错配问题进一步严重。银行信贷业务由规模管理转向结构管理和质量管理势在必行。2004年3月,银监会公布《商业银行资本充足率管理办法》,要求所有银行应于2007年1月1日前达到8%的资本充足率要求。由于国内银行以规模驱动和资本消耗为特点的盈利模式带来了与经济周期快速扩张伴生的资本金紧缺问题,而这期间正是中国金融改革和中国银行业的战国时期,处于高速规模扩张的各家银行的再融资方案不断出现(见表1)。
Venture Capital and Liquidity Issues in Credit Assets Since 2004, the investment in new institutional funds such as funds, wealth management, trusts, enterprise annuities and insurance funds has been rapidly developing. The credit funding situation is grim. The problem of deposit-loan ratio and maturity mismatch is further aggravated. It is imperative that bank credit business shift from scale management to structural management and quality management. In March 2004, the CBRC promulgated the Measures for the Administration of Capital Adequacy of Commercial Banks, requiring all banks to meet the capital adequacy requirement of 8% by January 1, 2007. Due to the profit-making mode characterized by scale-driven and capital consumption of domestic banks, the problem of shortage of capital is accompanied by the rapid expansion of the economic cycle, which is the rapid expansion of the scale of China’s financial reform and the warring states period of China’s banking industry The refinancing programs of various banks continue to emerge (see Table 1).