华东师范大学学报(哲学社会科学版) ›› 2006, Vol. 38 ›› Issue (4): 92-96.doi: 10.16382/j.cnki.1000-5579.2006.04.014

• 金融问题研究 • 上一篇    下一篇

简论资本约束下的银行资产可持续增长

买建国   

  1. 华东师范大学 商学院，上海 200062
  • 收稿日期:2006-04-18 出版日期:2006-07-25 发布日期:2006-09-10
  • 作者简介:买建国(1962—), 男, 宁夏吴忠人, 华东师范大学商学院讲师

A Brief Analysis of Sustainable Growth of Bank Assets under Capital Restraint

Jian-guo MAI   

  1. School of Business，East China Normal University， Shanghai 200062， China
  • Received:2006-04-18 Online:2006-07-25 Published:2006-09-10

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被引次数

10

摘要：

资本充足率水平的高低决定着银行资产可持续增长率的高低。可持续增长率是指在保持资本充足率不变的前提下, 由内源和外源资本可维持的资产增长率。银行风险资产与资本的增长相一致, 是银行流动性、安全性和盈利性三者之间的内在要求。因此, 银行管理者要从管理理念上充分认识到资本充足率对银行资产增长的重要性, 按照以资定贷经营模式追求银行资产的适度增长。

关键词: 可持续增长, 资本充足率, 商业银行, 融资

Abstract:

Capital adequacy ratio determines the sustainable growth rate of bank assets.The latter refers to the growth rate of assets that can be supported by the internal and external sources of capital under the precondition that capital adequacy ratio remains unchanged.A bank's risk assets should increase in accordance with the increase of capital.It is an inherent requirement for a bank's liquidity, safety and profitability.Therefore, the bank management should fully realize in its management philosophy that the capital adequacy ratio is very important to the increase of bank assets, and correspondingly pursue an appropriate growth of the bank assets according to the management pattern that assets determine the issuance of loans.

Key words: sustainable growth, capital adequacy ratio, commercial bank, finance

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