【作者】 卞庆珍；

【导师】 孙永正；

【作者基本信息】 苏州大学 ， 世界经济， 2002， 硕士

【摘要】 现代社会，银行业的安全不仅涉及每一个社会成员的福利，而且关系到整个国民经济的运转，因此，各国政府都把银行体系置于其广泛的监管之下，其中，谨慎性监管是政府日常监管的重心。在政府进行谨慎性监管时，资本充足率标准成为其关注的首要问题。 作为国际银行业的总协议，《巴塞尔协议》正是从资本充足率的角度提出对银行的监管标准，本文通过分析《巴塞尔协议》的内容及其发展，引发对我国国有商业银行资本充足率的思考。我国四大国有商业银行由于历史和体制的原因，资本充足率远远低于《巴塞尔协议》规定的标准，这在我国加入WTO的背景下，明显处于弱势。对此，本文提出两条相应的对策：即增加资本和减少经风险加权后的资产。总之，我国国有商业银行只有在短期内提高资本充足率，才能适应国际竞争的需要。更多还原

【Abstract】 As banking plays a key role in both everyone’ s life and in the body of economy as a whole ,it is supervised by government exclusively in every country ,during which the supervisors are always keeping an eye on their capital adequacy.As a general agreement in international banking, Basel Agreement requires that a bank should be supervised from Ratio of Capital Adequacy (RCA), In the thesis the analysis of this agreement is enlightening the situation of RCA of the state-owned banks in our country. In the reason of history and mechanism , the RCA of state-owned banks in our country is far below the standard in Basel Agreement ,which makes them in an inferior position in international competition. And at last two approaches are mentioned to solve this problem: increasing capital and decreasing assets adjusted by risk.更多还原