论文部分内容阅读
如何实现商业银行资本结构优化对于增加商业银行的价值,提高银行的国际竞争力,改善银行内部治理结构以及降低经营风险具有重要意义。本文以资本结构理论出发点,结合银行资本结构的特殊性,在资产负债率、股权结构、资本充足率等几个方面说明了我国商业银行资本结构的现状与特点。其次,从宏观因素和微观因素两个方面分析我国商业银行的资本结构优化问题。最后,根据以上分析,提出了优化我国商业银行资本结构优化的建议及对策。
How to optimize the capital structure of commercial banks is of great significance for increasing the value of commercial banks, improving the international competitiveness of banks, improving the internal governance structure of banks and reducing the operational risk. Based on the theory of capital structure and the particularity of bank capital structure, this paper illustrates the status quo and characteristics of China’s commercial bank capital structure in terms of asset-liability ratio, shareholding structure and capital adequacy ratio. Secondly, this paper analyzes the optimization of capital structure of commercial banks in China from two aspects of macro-factors and micro-factors. Finally, based on the above analysis, this paper puts forward suggestions and countermeasures to optimize the capital structure of commercial banks in our country.