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国际金融危机的爆发,在国际范围内使得在商业银行资本约束监管机制方面存在的漏洞暴露出来。针对这一问题,2010年12月巴塞尔委员会发布了第三版巴塞尔协议,进一步确立了对商业银行资本监管的各项要求。为应对巴塞尔委员会对我国实施新资本监管标准进行评估,我国银监会于2002年6月7日公布了《商业银行资本管理办法(试行)》(以下简称《新资本管理办法》),并于2013年1月1日起正式施行。本文通过分析《新资本管理办法》主要内容及其实施对商业银行的影响,初步提出商业银行对《新资本管理办法》实施的应对策略。
The outbreak of the international financial crisis exposed the loopholes in the international regulatory framework of capital constraints of commercial banks. In response to this issue, in December 2010, the Basel Committee issued the third edition of the Basel Accord, which further established the requirements for capital regulation of commercial banks. In response to the Basel Committee assessing the implementation of China’s new capital regulatory standards, China’s CBRC promulgated the Measures for the Capital Management of Commercial Banks (Trial) (the “Measures for the Administration of New Capital”) on June 7, 2002 and announced in 2013 January 1, the official date of implementation. Based on the analysis of the main contents of “New Capital Management Measures” and its impact on commercial banks, this paper initially put forward commercial banks’ coping strategies for implementing “New Capital Management Measures”.