【作者】 赛志毅；

【导师】 白庆华；

【作者基本信息】 同济大学 ， 城市管理与建设工程管理， 2008， 博士

【摘要】 在改革开放之前的30年,由于受大一统计划经济金融制度的影响,我国对银行资本管理制度的研究既无必要也不可能,处于一种虚置状态。1994年,我国第一次提出了核心资本和附属资本的概念;1995年,明确规定了商业银行的注册资本最低额和资本充足率,这标志着我国正式进入了银行资本管理制度的改革与建设阶段。2001年中国正式加入WTO,中国商业银行开始直接面对西方商业银行的挑战和竞争。因此,深入研究西方商业银行的资本管理制度、巴塞尔协议以及新资本协议,构建中国区域性商业银行的资本管理机制框架,迅速建立区域性商业银行资本金的补充渠道,无论在理论方面还是在具体实践中,都对中国的商业银行具有极强的现实意义。本文主要研究我国区域性商业银行的资本管理机制创新,针对我国区域性商业银行资本管理制度的现状及其存在的问题,详细研究银行资本的内涵、决定因素以及加强我国区域性商业银行资本管理的具体路径。本文共有七章。第一章为绪论部分,探讨了本文的研究意义,阐述了本文的主要研究内容、篇章安排和主要创新点。第二章就国内外相关的研究文献进行了综述。第三章是商业银行资本管理的基本理论部分,结合商业银行资本管理制度理论的发展,分析了商业银行资本的构成,界定了商业银行的资本职能。第四章考察了我国区域性商业银行资本管理制度的变迁与现状。第五章研究我国区域性商业银行的资本管理机制问题,将资本管理机制归结为资本筹措机制、资本约束机制、风险规避机制、产权结构革新机制、国际协同机制等五个方面。第六章给出了区域性商业银行资本管理机制创新的一个案例分析。第七章是研究结论与展望部分,分析了本文的创新与不足之处,并对进一步的研究方向进行了展望。本文的主要创新之处有三点:1、从区域性中小商业银行这一新视角,研究分析银行资本管理的主要内容;2、提出了影响资本充足率的四个重要因素,即融资成本、风险厌恶程度、资产规模和经营的不确定性;3、归纳并提出我国区域性商业银行的资本管理机制,主要包括资本筹措机制、资本监管约束机制、风险规避机制、产权结构革新机制、国际协同机制等五大机制。更多还原

【Abstract】 During the past 30 years before China’s reform and opening-up, due to the unified financial system under the planned economy, it is impossible and unnecessary to study the capital management mechanism of the commercial bank. The concept of core capital and subsidiary capital was put forward in 1994 for the first time in China, and in 1995, the minimum of registered capital and the capital adequacy rate of commercial banks were regulated, which symbolized the reform and construction of the commercial banks’ capital management mechanism has entered a new stage in China. After being admitted to WTO in 2001, the commercial banks in China began to face directly the challenge and competition of those Western ones. Therefore, for the commercial banks in China, it is of much significance both in theory and in practice to study the capital management mechanism of the western commercial banks, the Basal Agreement as well as the new capital agreement, to construct the framework of the capital management mechanism of regional commercial banks in China, and to establish the complementary channel of capital.In this dissertation, we study the innovating mechanism of the capital management of those regional commercial banks in China. We research into the status quo and existing problems, and hence study the connotation of bank capital, the deciding factors, and the concrete paths on how to strengthen the capital management for regional commercial banks in China.Seven parts are included in this dissertation. In the first part, we put forward the significance of this research, and set forth the subject, the structural arrangement and the main innovations. In the second part, we review the related domestic and overseas literature. In part three, we introduce the basic theory of the commercial banks’ capital management, set forth the developments of the theory of bank capital management, analyze the structure of bank capital, and define the function of bank capital management. In part four, we review the variance and actuality of the capital management mechanism of the regional commercial banks in China. In part five, we study the capital management mechanism of the regional commercial banks in China, which includes the capital-raising mechanisms, the capital constraint mechanism, the risk precaution mechanism, the mechanism of innovation with the structure of property right, and the international cooperation mechanism. In part six, we present a case study on the innovation of the regional commercial bank’s capital management mechanism. In the last part, we sum up the innovations and shortcomings of this dissertation, and prospect the directions for further study.In this dissertation, three innovations are put forward. Firstly, we choose a new view of the regional small and medium-sized commercial banks to analysize the major content of the banks’ capital management. Secondly, we put forward four important factors which influence the capital adequacy rate the most, such as financing cost, the extent of risk aversion, asset size and the uncertainty of operation. Thirdly, we summarize and define the capital management mechanism of the regional commercial banks in China, including mainly the capital-raising mechanisms, the capital constraint mechanism, the risk precaution mechanism, the mechanism of innovation with the structure of property right, and the international cooperation mechanism.更多还原