在全球经济复苏进程迂回曲折、监管环境日趋严格的背景下，我国商业银行经历着经济下行、利润增速放缓、风险上升的严峻考验，银行资本补充问题再次显现。但当前我国资本补充工具存在风险缓释作用不强、发行渠道有限、创新法律依据不足等问题。2016年将是银行业整体面临较大经营压力的一年，在当前经济环境下，资本补充工具将有助于银行渡过转型艰难期，这不仅符合国际金融监管改革的大趋势，也有利于进一步增强我国银行业抗风险能力，促进商业银行转变发展方式，更好地服务实体经济。%Under the background of the unsteady recovery of global economy and increasingly strict supervision environment,the commercial banks in China is faced with the serious test of economic downturn,slowdown of profit growth and rising risks. Then the problem of replenishing banks' capital arises again. However, currently, there are problems with the capital supplement tools such as the weak function of risk release,limited issuance channel and lack of innovation legal basis. The year of 2016 is a year when the banking industry is faced with bigger management pres-sure as a whole. Under the current economic situation, the capital supplement tools will be helpful for the banks to weather through this difficult period of transformation. This not only conforms to the big trend of international financial supervision reform,but also is conducive to further enhancing the risk resistance of the banking industry,promote the transformation of the commercial banks' development and better serve the real economy.
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