适应新资本监管要求转变银行发展方式--解读《商业银行资本管理办法（试行）》

摘要

2013年1月1日起我国正式实施《商业银行资本管理办法（试行）》，这标志着一个更为严格的资本监管制度开始实行。以资本监管为核心的新资本监管办法将进一步强化商业银行资本的约束机制，提升商业银行风险管控能力，引导商业银行转变发展方式，促进商业银行支持实体经济的发展。%From January 1,2013,the“commercial bank’s capital management approach (Trial)” has been formally implemen-ted in our country , which marks a more stringent capital regulatoy regime implemented.New capital regulatory approach with capital regulation as the core will further strengthen the capital constraint mechanism of the commercial banks ,enhance the abil-ity of risk management and control ,guide commercial banks to change the development mode ,promote commercial banks to sup-port the real economy .