外资银行资本充足率监管比较研究及启示

资本充足率是公认的银行审慎监管的核心指标,文章通过对比我国和有关国家银行法中有关外资银行资本充足率的监管规定,指出主要应从两方面完善现有资本充足率监管制度体系,一是建立以杠杆比率(LeverageRatio)为核心,风险加权资本充足率为补充的双层混合动态监管制度框架;二是应根据外资银行法律地位的不同,在与外资银行母国签订双边监管合作协议的框架下,对外资银行子行、合资银行和分行提出不同的监管资本充足率要求。

The Comparative Research and Enlightenment on the Supervision of Foreign Bank's Capital-adequacy Ratio

Capital-adequacy ratio is the well-known core index of prudential supervision in banking. by comparing the supervision institutional systemon foreign banks in the banking law of China and other countries, this paper point out two improvements on the CAR supervision system, the first one is to construct a double-layer supervision framework based on the leverage ratio, and supplemented by the risk-weighted CAR, the second one is to differences between the legal status of foreign banks and stipulate different ...