basle agreement 中文意思是什麼
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Influence of the basle agreement on china ' s banking supervisory system
巴塞爾協議對中國銀行監管制度的影響 -
So, before we try to build a set of modern risk management system and raise the risk management level, we should solve many urgent problems, for example building domestic commercial credit models on the new basle agreement frame
國內尚未健全統一的個人徵信系統，對個人的信用狀況缺乏全面的評估，嚴重製約著信用卡透支的信用風險管理。同時，國內銀行在信用卡透支信用風險管理領域還缺乏有效的辦法和經驗。 -
The new basle agreement represents the advanced risk management and supervising technology. with the coming and global implimenting of new basle agreement, it has no doubt that it has been affecting domestic banking risk management, especially for the four state - owned commercial banks
新資本協議代表了當今先進的風險管理水平、監管理念與實踐，這也對我國商業銀行的風險管理提出了巨大的挑戰。從我國的現狀來看，商業銀行的風險管理尚處于起步階段。 -
In order to exploit new ways of banking supervision, the international co - operation are researched in the financial supervising field. it includes two aspects : one is the influence made by rules on capital sufficiency ration mentioned in < < basle agreement > >, the other is new requirements brought by risk managing principles in < < the key principles of efficient banking supervision > >
為了開拓銀行監管的新思路，第四章首先探討金融監管的國際合作問題，主要包括兩大方面：一是《巴塞爾協議》中有關銀行資本充足率的規定對我國銀行業產生的影響，一是《有效銀行監管核心原則》中確立的全面風險管理原則給我國銀行業提出的新要求。 -
1. the research background : the credit risk is the main risk of the commercial bank, and also the main risk of the credit card overdraws. on june 26 in 2004, the basle committee bank supervision publicized the “ new basle agreement ”, which will replace the current agreement published in 1988, at the end of 2006
信用風險是商業銀行的主要風險，也是信用卡透支業務面臨的主要風險。 2004年6月26日，巴塞爾委員會（ baslecommitteebanksupervision ， bcbs ）正式出臺了《新資本協議》 ，在2006年底前取代現行的1988年資本協議而付諸實施。 -
However, the basle capital adequacy requirements are based on the agreement banking capital and the average level of the risk identified. the commercial banks are not necessarily suited to their own conditions and the risk capital adequacy requirement, but the basle capital adequacy requirements are against the agreement corporate commercial banks overall, commercial banks do not meet internal risk management and the capital management needed
但是《巴塞爾協議》的資本充足要求是根據銀行業資本和風險的平均水平確定的，並不一定能適應各商業銀行自身的風險狀況和資本充足要求，而且巴塞爾協議的資本充足要求是針對商業銀行法人整體的，並不適應商業銀行對內進行風險管理和資本管理的需要。
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