华东师范大学学报：哲学社会科学版
華東師範大學學報：哲學社會科學版
화동사범대학학보：철학사회과학판
Journal of East China Normal University :Philosophy and Social Sciences Edition
2006年
4期
92~96
,共null页
可持续增长 资本充足率 商业银行 融资
可持續增長 資本充足率 商業銀行 融資
가지속증장 자본충족솔 상업은행 융자
sustainable growth, capital adequacy ratio, commercial bank, finance
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。
資本充足率水平的高低決定著銀行資產可持續增長率的高低。可持續增長率是指在保持資本充足率不變的前提下，由內源和外源資本可維持的資產增長率。銀行風險資產與資本的增長相一緻。是銀行流動性、安全性和盈利性三者之間的內在要求。因此，銀行管理者要從管理理唸上充分認識到資本充足率對銀行資產增長的重要性，按照以資定貸經營模式追求銀行資產的適度增長。
자본충족솔수평적고저결정착은행자산가지속증장솔적고저。가지속증장솔시지재보지자본충족솔불변적전제하，유내원화외원자본가유지적자산증장솔。은행풍험자산여자본적증장상일치。시은행류동성、안전성화영리성삼자지간적내재요구。인차，은행관리자요종관리이념상충분인식도자본충족솔대은행자산증장적중요성，안조이자정대경영모식추구은행자산적괄도증장。
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.
