摘要
伴随《巴塞尔协议Ⅲ》的出台,城商行如何满足监管要求,已成为亟待解决的问题。本文通过实证分析全国31家城商行在2007-2013年的年报数据,并综合考虑影响银行核心资本充足率的内外部因素,结果表明城商行盈利能力对提升核心资本充足率起着正向的显著作用;在财务重组和外源融资行为集中的情况下,资本对资产的约束能力较弱。最后结合我国城商行当前的运营情况,提出了改善资本管理的对策建议。
As ＂BaselⅢ ＂issued, meeting the standard of Core Capital Adequacy Ratio greatly increased, how to effectively complement the supervision requirement is an emergency question for all City Commercial Banks. This pa- per uses data of thirty-one city commercial banks in China for 2007-2013 to make a regression, and also takes the in- ternal and external factors of CCAR into account. The result shows profitability has a positive significant effect on the improvement of CCAR. Under the situation of financial restructuring and outside financing, the binding of capital to as- sets becomes weaker. According to analyze the operating of City Commercial Banks, the paper proposes some sugges- tions for China＇ s City Commercial Banks to improve their capital management.
出处
《区域金融研究》
2015年第4期33-38,共6页
Journal of Regional Financial Research
关键词
核心资本充足率
资本监管
城市商业银行
盈利能力
Core Capital Adequacy Ratio
Capital Regulations
City Commercial Banks
Profitability
