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英语翻译资本充足率的高低代表着商业银行应付金融风险能力的高低.规定该项指标的目的在于抑制风险资产的过度膨胀,保护存款人和

来源:学生作业帮 编辑:作业帮 分类:英语作业 时间:2024/07/14 07:14:31
英语翻译
资本充足率的高低代表着商业银行应付金融风险能力的高低.规定该项指标的目的在于抑制风险资产的过度膨胀,保护存款人和其他债权人的利益、保证银行等金融机构正常运营和发展.在巴塞尔协议不断完善、利率市场化逐渐发展的今天,我国银行资本充足率成为一个不可忽视的重要问题.,本文采取了2011年的银行资产负债数据进行具体分析,分析表明我国大部分商业银行负债率过高,甚至出现负债增长率与资产增长率基本持平状态,在此基础上,为了优化我国银行体系的资产负债比率,提出合理建议:通过提高银行资本金、减少风险资产,加强银行内控及银行体系的外部监管,完善国家相关政策.
Capital adequacy ratio represents the commercial banks to cope with the ability of financial risk level.The index is to suppress the excessive expansion of risk assets,the protection of depositors and other creditors,banks and other financial institutions to ensure normal operation and development.Gradually improve,in the Basel agreement of market-oriented interest rate today,the capital adequacy ratio of banks in China has become an important issue that can not be ignored.In this paper,take the bank balance data in 2011 were analyzed,the analysis shows that most of China's commercial bank debt rate is too high,and even the emergence of debt growth and asset growth rate as basic state,on this basis,in order to optimize China's banking system assets liabilities ratio,and puts forward the reasonable suggestion:by raising bank capital,reduce risk assets,strengthen the external supervision of bank internal control and the banking system,improve the relevant policies of the state