CAJ | 학술논문

资本结构优化对商业银行经营管理具有重要意义。巴塞尔协议Ⅲ构建的多层次资本监管框架对国有银行资本结构优化带来了机遇与挑战。论文从商业银行资本结构基础性理论出发，通过对国有银行资本结构现状的分析以及巴塞尔协议Ⅲ对银行资本结构冲击的阐述，针对性地提出国有银行基于巴塞尔协议Ⅲ的资本结构优化策略。
자본결구우화대상업은행경영관리구유중요의의。파새이협의Ⅲ구건적다층차자본감관광가대국유은행자본결구우화대래료궤우여도전。논문종상업은행자본결구기출성이론출발，통과대국유은행자본결구현상적분석이급파새이협의Ⅲ대은행자본결구충격적천술，침대성지제출국유은행기우파새이협의Ⅲ적자본결구우화책략。
Optimization of the capital structure has important implications for the management of commercial banks .Multi-level capital regulatory framework of Basel Ⅲ brings opportunities and challenges to State-ow ned banks'capital structure optimization . T his paper firstly describes basic commercial bank capital structure theory ,then makes an analysis of the status of State-ow ned banks'capital structure and Basel Ⅲ's impact of the bank's capital structure ,finally puts forward the capital structure optimization strategy of state-ow ned banks based on Basel Ⅲ .