摘要
进一步加强资本约束,是提高银行业的竞争力并增强其抗风险能力的重要举措。资本约束不仅要求银行业重视风险管理,更应当始终把资本结构的不断优化放在最重要的位置。在资本充足率监管条件下,商业银行最优资本结构的确定,可以从银行价值最大化入手,也可以从资本成本最小化入手。由于影响商业银行资本结构优化的因素中既有外部环境因素,又有商业银行自身因素,因此,需要有针对性地提出商业银行资本结构优化的措施。
Further Strengthening of capital binding is an important measure for enhancement of competition strengthen and risk - preventing capability of banking industry. Capital binding requires not only highlighting of risk man- agement, but also putting continual optimization of capital structure at a high premium. Under the condition of cap- ital adequacy ratio supervision, the determination of optimal capital structure of commercial bank can start from bank value maximization as well as from capital cost minimization. Owing to the existence of external factors influencing commercial bank capital structure optimization and also internal factors of the bank themselves, responsive measures should be taken in optimizing of capital structure of commercial banks.
出处
《河南金融管理干部学院学报》
2007年第6期54-57,共4页
Journal of Henan College of Financial Management Cadres
关键词
现代资本结构理论
商业银行
资本结构优化
modern capital structure theory
commercial bank
optimization of capital structure
