CAJ | 학술논문

2013年1月1日起开始实施的商业银行“监管新规”对资本充足率、前瞻性贷款损失拨备指标、杠杆率指标、流动性监管指标等四大指标设置了更为严格的要求，在强化监管的同时也使得我国商业银行面临资本缺口提高、盈利和存款竞争压力加大等风险。为了应对和规避“监管新规”引发的风险，建议商业银行采取提高资本管理水平、合理利用资产证券化工具、风险管理精细化、以推动创新的视角加强杠杆率管理、重视提高流动性管理水平、积极通过业务转型降低风险加权系数等举措。
2013년1월1일기개시실시적상업은행“감관신규”대자본충족솔、전첨성대관손실발비지표、강간솔지표、류동성감관지표등사대지표설치료경위엄격적요구，재강화감관적동시야사득아국상업은행면림자본결구제고、영리화존관경쟁압력가대등풍험。위료응대화규피“감관신규”인발적풍험，건의상업은행채취제고자본관리수평、합리이용자산증권화공구、풍험관리정세화、이추동창신적시각가강강간솔관리、중시제고류동성관리수평、적겁통과업무전형강저풍험가권계수등거조。
"New regulation" on commercial banks, implemented on January 1, 2013, set up more strict requirements on four index including capital adequacy ratio, prospective loan loss provisions, leverage, and liquidity regulation. Under "new regulation" with strengthened supervision, commercial banks face with some risks as higher capital shortfall, bigger pressure on profit and deposit competition. In order to deal with the risks inspired by "new regulation", some suggestions on commercial banks is proposed, including higher level of capital management, reasonable use of asset securitization, more fine risk management, more stringent management of leverage under perspective of innovation, higher level of liquidity management, and lower risk coefficient weighted through business transformation.