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近年来,随着社会经济的发展,金融市场也得到了充分的发展,其竞争也越来越激烈。为了更好的管控风险,一些新的监管标准也在不断地推出。本文首先介绍了新监管标准的相关变化和实施的背景,然后进一步分析了影响资本充足率的因素以及商业银行要采取的相关应对措施。
In recent years, with the social and economic development, the financial market has also been fully developed, and its competition is becoming more and more fierce. In order to better control risks, some new regulatory standards are also constantly being introduced. This paper first introduces the related changes and implementation background of the new regulatory standards, and then further analyzes the factors that affect the capital adequacy ratio and the relevant countermeasures that commercial banks should take.