次级金融债券:我国商业银行补充资本金的新渠道

深化金融企业改革是金融体制改革的一个重要内容 ,加强银行业资本充足性监管是金融机构改革的迫切要求。我国商业银行普遍面临资本金短缺问题 ,必须要寻找新的补充商业银行资本金的渠道。尽管最近国家通过外汇储备补充商业银行的资本金 ,但这并不是商业银行获得资本金的长久有效的渠道。而发行次级金融债券才是商业银行目前解决资本金不足的一个最可行的方式 ,并且实施的时机已经成熟

Subordinate Debt:New Channel of Raising Capital for China''''s Commercial Banks

Financial institutions' reform is one of the critical issues in the reform of China's banking industry.To enforce the regulation of China's banking industry on the basis of capital adequacy rate is very important to the healthy development of this industry.The lack of capital is a serious problem faced up by commercial banks,and it can not be solved in the present framework.It is advanced in this paper that issuing Subordinate Debt is a new and effective way for commercial banks to raise capital.