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论文编号：	13706
作者编号：	2320200703
上传时间：	2022/12/6 16:10:42
中文题目：	CL村镇银行资本充足问题研究
英文题目：	Research on Capital Supplement of CL County Bank
指导老师：	郝臣
中文关键字：	村镇银行；资本充足率；资本补充
英文关键字：	County bank;Capital adequacy ratio;Capital supplement
中文摘要：	2008年金融危机暴露了杠杆率高的银行具有较高的经营风险，资本充足率低的银行率先倒下，充分显示了资本充足水平是商业银行的抗风险水平。资本充足的计算是建立在充分计提各项资产减值准备的基础上的，因此怎样保证资本充足率达到监管要求以及如何保持资本充足率能够持续达到监管指标要求，就需要银行适时选择资本补充政策和资本补充渠道以便及时扩充资本。 CL村镇银行成立于2014年，成立时间较短，随着业务规模不断增大，特别是近年来业务发展迅速，资本充足率已出现逐渐下滑迹象。本文通过分析CL村镇银行近几年相关数据发现，2021年末CL村镇银行资产总额较2019年增长73.02%，风险加权资产较2019年增长86.43%，而资本净额仅增长10.22%，直接导致资本充足率下降为10.79%，仅高于10.50%的监管指标0.29个百分点，已逼近监管红线。资本充足率水平逐步下降、资本结构不合理、盈利能力弱导致内源性资本补充能力不足等因素引起的资本水平已不能满足资产规模急速扩张带来的资本消耗。为增强与当地同业的竞争力，保持其良好发展势头，防范流动性风险，提高资本充足率水平已经成为CL村镇银行的当务之急。对资本充足进行研究是其解决当前面临资本充足率问题的关键所在，本文从CL村镇银行资本充足率水平、合格资本情况、信贷资产质量、内源性资本补充能力、风险加权资产情况、资本管理情况、风险管理和风险评级体系七方面进行调查分析，发现其存在资本结构不合理、资本补充渠道狭窄、内源性融资压力大、资本消耗过快等问题。进而从完善资本补充机制、拓宽资本补充渠道、优化风险加权资产结构、提升科技力量等方面提出应对措施，帮助CL村镇银行提高资本充足率水平，拓宽其资本补充渠道。 目前，关于村镇银行资本充足问题的相关研究少之又少，亟待丰富。本文结合相关文献的研究，以CL村镇银行为例展开探讨，力求通过对CL村镇银行资本充足中存在的问题进行分析，根据小银行运营实际提出的建议、对策对其他村镇银行完善资本补充机制、优化资本补充渠道、创新资本补充工具方面也具有指导作用和借鉴意义。
英文摘要：	The 2008 financial crisis revealed that banks with high leverage ratio had higher operational risks, while banks with low capital adequacy ratio were the first to collapse, which fully showed that capital adequacy level is the risk resistance level of commercial banks. Capital adequacy calculation is based on the basis of the assets impairment provision, so how to ensure the regulatory requirement of capital adequacy ratio and how to keep their capital ratios constant can continue to meet the requirements of the regulatory index, you need to bank timely supplementary capital policy and capital supplement channels for timely boost capital. CL County Bank was founded in 2014, with a relatively short time of establishment. With the continuous increase of business scale, especially the rapid development of business in recent years, the capital adequacy ratio has shown signs of gradual decline. By analyzing the relevant data of CL County Bank in recent years, this paper found that the total assets of CL County Bank at the end of 2021 increased by 73.02% compared with 2019, the risk-weighted assets increased by 86.43% compared with 2019, while the net capital only increased by 10.22%, directly resulting in the capital adequacy ratio decreased to 10.79%. It is only 0.29 percentage points higher than the regulatory target of 10.50 percent, which is close to the regulatory red line. The capital level caused by the gradual decline of capital adequacy ratio, the unreasonable capital structure and the lack of endogenous capital replenishment ability caused by the weak profitability can no longer meet the capital consumption caused by the rapid expansion of asset scale. In order to enhance the competitiveness with local peers, maintain their own reputation, prevent liquidity risks, and improve the capital adequacy ratio has become an urgent task for CL County Bank. Research on capital adequacy is the key to solve the problem of the current capital adequacy, this article from the CL County Bank capital adequacy ratio level, qualified capital situation, the quality of credit assets, endogenous capital supplement ability, risk-weighted assets, capital management, risk management and risk rating system of seven aspects were investigated, It is found that the capital structure is unreasonable, the capital replenishment channel is narrow, the endogenous financing pressure is great, the capital consumption is too fast and so on. Then, countermeasures are proposed from the aspects of improving the capital replenishment mechanism, broadening the capital replenishment channels, optimizing the risk-weighted asset structure, and enhancing the scientific and technological strength, so as to help CL County Bank improve the capital adequacy ratio and broaden their capital replenishment channels. At present, there are few researches on the capital adequacy of rural banks, which need to be enriched. Combining literature research, this paper also discussing CL County Bank, for example, by the CL County Bank capital adequacy in the analysis of existing problems, according to actual put forward the Suggestions and countermeasures of small Banks operating in other towns bank capital supplement mechanism, optimizing the capital supply channels, innovation capital supplement tools also has guidance and reference significance.
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