作　　者： ; ; ;

机构地区： 岭南大学

出　　处： 《金融论坛》 2004年第9期21-26,共6页

摘　　要： 在银行同业竞争中,资本金的高低在很大程度上影响了银行的整体竞争力。本文分析了国际商业银行资本金的现状,对比我国5家上市银行目前的资本金状况,认为资本金不足及资本结构不合理是当前上市银行发展面临的一个现实问题,并进一步分析了我国上市银行补充资本金的意义和形式。作者借鉴国外主要商业银行补充资本金的经验,考察了两种补充资本金的形式,结论是:虽然内涵式补充资本金是一种有增长潜力、重要的形式,但是至少在目前来说它不可能是一种最重要的形式;外延式补充资本金,特别是通过发行次级债券和发行可转债这两种方式则具有现实的可操作性。 As far as interbank competition goes,capital size exercises a huge influence on the overall competitiveness of a bank.In this pa-per,international commercial banks are analyzed in terms of their current capital conditions.By comparing those with five listed banks in our country,it is believed that capital inadequacy and irrational capital structure is a major problem faced by public banks for development.Analysis is also made of the significance and form of supplementary capital of listed banks in China.By drawing on the experience of lead-ing foreign commercial banks in supplementary capital and investigating the two forms of supplementary capital,it is found that though inter-nal supplementary capital is an important form with high growth potential,yet it is not the most important form at least at present;while ex-ternal supplementary is practically highly operative,especially in the form of junior and transferable bonds.

关 键 词： 上市银行 资本金 补充商业银行 中国 存贷款业务 次级债 可转换债券

领　　域： [经济管理]