国际金融危机背景下我国商业银行稳健性分析

《国际金融危机背景下我国商业银行稳健性分析》由会员上传分享，免费在线阅读，更多相关内容在学术论文-天天文库。

1、AbstractWiththedevelopmentofeconomicglobalizationandfinancialliberalization，thefinancialsystembecomesmorevulnerable．FollowingtheAsianfmancialcrisisattheendoflastcentury,the‘‘financialstorm’’triggeredbythesubprimemortgageintheUnitedStatesissweepingglobally．

2、Affectedbytheglobalfinancialcrisis，theeconomicgrowthintheworldslowsdown，especiallyinthecenterofthecrisis，theUnitedStates．In2008，theGDPoftheUnitedSatesincreasedbyonly1．3％，whichwasthelowestgrowthratesince2001．Fromthehistoricalexperience，thefinancialcrisisWas

3、oftenaccompaniedbythemassbankruptcyofbanks．Accordingtothestatistics，therewere25bankfailuresintheUllitedStatesbecauseofthefinancialcrisisin2008．Thenumberexceededthesumofbankfailuresoverthelastfiveyears．What’Smore，thetopfiveinvestmentbanksintheUnitedStateswe

4、reallbrokendownjustwithinhalfayear．FromtheperspectiveofChinawhoseleadingsectorinthefinancialsystemisthebankingsector,maintainingthestabilityofbankingindustryisnotonlyrelatedtothedevelopmentofbanks，buttotheefficiencyofresourceallocationandtheoveralleconomic

5、developmentaswellassocialstability．Soissuessuchashighbadloanratio，lowcapitaladequacyrate，andinefficientoperation,havebeenseriousinthebankingsectorofChina．WiththeparticipationofChinaintoWTO，theopennessoftheentirebankingsystemisgraduallyincreased，whichmeanst

6、hebanksinChinamustfacethecompetitionglobally,andthattheexternalenvironmentforbankingoperationismorecomplex．Therefore，theresearchofthestabilityofChinesebankingindustry,especiallyinthesettingofglobalfinancialcrisis，isnotonlytheoreticallysignificant,butpracti

7、callyimportant．ThispaperwillanalyzethestabilityofcommercialbanksinChinacomprehensively,staticallyanddynamically,basedonthedefinitionofthestability．Fromtheperspectiveofstaticanalysis，thispaperwillresearchthestatusquoofbanks’stabilityusingtheCAMELsysteminthe

8、USfromtheperspectiveofcapitalstatus，creditquality,profitabilityandliquidity．Ingeneral，mostbanksmettherequirementsofregulation．Butsomebanksarenearthebrokenpoint．Atthesametime，thispaperwillinquirethemainproblem