混合型资本工具与商业银行资本结构优化

资本管理是银行风险管理的核心内容,银行通过资本结构的合理安排,不仅能有效覆盖风险,满足资本监管要求,还能同时提高财务效率。本文结合混合型资本工具的特点及各国监管规定,分析了商业银行的最佳资本结构选择,并提出了我国商业银行的应对策略。

Hybrid Capital Instruments and Optimal Capital Structure for Commercial Banks

Capital management is at the core of risk management in banks, an optimal capital structure can not only cover the risk of bank, meet the regulatory capital requirement, but also improve the bank's financial efficiency. This paper first introduces the global development of hybrid capital instruments, then analyses the optimal capital structure for bank. And the paper concludes with suggestion to improve the capital management for banks in China.