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我国证券市场发展对商业银行的挑战主要表现在:它使商业银行的存款来源相对减少,流动性增强;商业银行的贷款数量相对减少,贷款质量下降;商业银行面临的风险增大;商业银行存贷款业务上的获利能力下降。我国商业银行迎接挑战的对策:一、利用证券市场补充资本,提高资本充足率。我国部分商业银行资本与风险资产的比率尚未达到《巴塞尔协议》要求的8％,这既不利于我国商业银行参与国际业务,也不利于我国金融风险的防范,在证券市场发展
The challenges for commercial banks in the development of China’s securities market are as follows: it makes commercial banks have relatively fewer sources of deposits and increased liquidity; the number of loans to commercial banks has been relatively reduced; the quality of loans has fallen; the risks faced by commercial banks have increased; Loan business profitability decline. China’s commercial banks to meet the challenges of countermeasures: First, the use of the stock market to replenish capital, improve capital adequacy ratio. The ratio of capital to risky assets of some commercial banks in our country has not yet reached 8% required by the “Basel Accord”, which is not conducive to China’s commercial banks participating in international business, nor is it conducive to the prevention of financial risks in our country and the development of the securities market