在法定存款准备金制度、存款保险制度和法定资本充足率制度这三大制度中 ,资本充足率要求居于银行业监管框架的核心。在此基础上 ,形成了三大制度相互配合、取长补短的监管格局。法定资本充足率制度是前提法定资本充足率管理同存款保险制度之间存在功能差异。首先 ,对于银行业 In the three systems of statutory deposit reserve system, deposit insurance system and statutory capital adequacy ratio, the capital adequacy ratio needs to be at the core of the banking regulatory framework. On this basis, we have formed a regulatory framework in which the three systems complement each other and complement each other’s strengths. The statutory capital adequacy ratio system is a prerequisite for the existence of functional differences between the statutory capital adequacy ratio management and the deposit insurance system. First of all, for banking