资本约束、风险管理与商业银行成长

银行业的风险属性和资本的吸收与转移风险损失的本质特征，使得资本对商业银行的资产扩张和成长具有很强的约束作用。资本软约束是制约中国商业银行成长的主要障碍之一，但仅仅致力于资本充足率问题的解决并不能保证我国商业银行的可持续成长，风险约束是制约我国商业银行成长的瓶颈。只有从制度、技术和经营战略等方面入手，不断提高风险管理能力，建立以资本约束为核心的业务增长模式和资源配置方式。尽快实现成长模式由资金约束到资本约束的转变，中国商业银行才能在效益、质量和规模协调发展的基础上实现持续成长。

Capital Constraint, Risk Management and Growth of Commercial Banks

The risk attributes of banking industry and the natural features of capital absorbing and trasferring risk loss have made capital have strong binding function for assets extension and growth of commercial banks. Soft constraint of capital is one of the main hinders limiting the growth of China＇s commercial banks, but it＇s unlikely to ensure a sustainable growth of China＇ s commercial banks only by engaging in solving the problem of capital adequacy rate. Therefore, risk constraint is the bottleneck for limiting the growth of China＇ s commercial banks. Only by continuously improving risk management ability from institution, technique and operation strategy, establishing bsiness growth model centered by capital binding and resource allocation mode, quickening to realize the changes of growth model from fund binding to capital binding can China＇s commercial banks realise a steady growth on the basis of economic effect, quality and size coordinative development.