risk based capital requirement 中文意思是什麼
risk based capital requirement
解釋
風險資本要求- risk : n 1 風險，危險；冒險。2 【保險】（損失的）風險（率）；保險金額；被保險人，被保險物。vt 冒…的危險...
- based : 基準
- capital : adj 1 首位的，最重要的，主要的，基本的，根本的。2 〈口語〉優秀的，上好的，第一流的。3 大寫（字母...
- requirement : n. 1. 要求，需要。2. 要求物，必需品；需要量；必要條件，資格 （for）。
-
If commercial banks in china meet the requirement of the new capital accord, many questions must be solved, including the possible continual worse in capital adequacy, a lot of drawbacks in the current standard of measuring capital adequacy, imperferction in the internal system of assessing risk, and so on. in order to cope with the challenge from the internal and international financial market, commercial banks in china should make full use of the advanced managing experience of international banking, raise capitals by all possible means, make capital structure perfect, set up preliminary system of assessing risks with conceratration on internal ratings - based approaches, and continue to improve the quality of assests and the capability of gaining profits
與新協議的要求相比，我國商業銀行資本管理存在著相當大的差距，主要表現在：資本充足率可能進一步下降，現行資本充足率測算標準存在諸多缺陷，風險評估體系很不完善，等等。為迎接新協議實施后來自國內外金融市場的巨大挑戰，我國商業銀行應充分借鑒國際銀行業的先進管理經驗，發揮后發優勢，進一步拓寬籌資渠道，完善資本結構，初步建立以內部評級法為核心的風險評估體系，規范資本管理信息披露，繼續改善資產質量，捉高盈利能力，以便盡早與新協議的要求接軌，提高我國銀行業的國際競爭力。 -
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。
分享友人