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    Title: BASEL Ⅱ對銀行資本適足性要求及監管之研究分析─以香港與臺灣為例
    Other Titles: A study of banking capital adequacy requirement and supervision under basel II: the cases of Hong Kong and Taiwan
    Authors: 鍾君宇;Zhong, Jun-yu
    Contributors: 淡江大學中國大陸研究所碩士班
    郭建中;Guo, Jiann-jong
    Keywords: 銀行業監理;香港金融管理局;巴賽爾新資本協定;最低資本適足比率;banking supervision;Hong kong Monetary Authority;The New Basel Capital Accord;minimum capital adequacy rate
    Date: 2008
    Issue Date: 2010-01-10 23:32:08 (UTC+8)
    Abstract: 自1988年以來,巴賽爾銀行監管委員會(BCBS)公佈巴賽爾資本協定,對銀行的自有資本占信用風險性資產的比例訂定了規範,藉以防止金融危機再次發生。接著又在2004年時公佈了巴賽爾新資本協定(Basel Ⅱ),其中第二支柱(Pillar 2)規範了各國監管機關對於金融機構資本適足性的監督與管理,期望在此架構之下,各國銀行業能夠朝著健全、業務充分發展又兼顧風險管理的目標來永續發展。
    本篇論文首先探討銀行監管的相關論點,以經濟學的觀點來說明銀行為何需要政府的監管。接著介紹舊巴賽爾資本協定的源起與內容,並且探討在1996年時,針對最低資本適足率對舊巴塞爾資本協定的修訂。最後介紹巴賽爾新資本協定的發展過程、內容以及有效的銀行監理原則。
    最後在論文主要部分介紹香港與台灣銀行監理體系的變遷與沿革,並且探討與比較實施BaselⅡ後,香港與台灣針對銀行資本適足性的監管方式的不同之處,以及借鏡香港銀行監理審查最低資本適足性管理的經驗,對台灣銀行業監理審查的最低適足性管理做研究與探討。



    關鍵詞:銀行業監理、香港金融管理局、巴賽爾新資本協定、最低資本適足比率
    Since 1988, Basel Committee on Banking Supervision (BCBS) announced the Basel Capital Accord. It made the standard for the percentage of bank regulatory capital and risk- weighted assets to avoid the financial crises happened again. And then BCBS announced the New Basel Capital Accord (Basel Ⅱ) in 2004. The Pillar 2 of the Basel Ⅱ made standards for supervision institutes of every countries to supervise and manage the capital adequacy requirement of financial institutes. Expect that under this framework, every bank around the world can progress into a soundness, professional work and also take care for the management of risk.

    The article discusses the issues about banking supervision at first. From the economy point of view to observe why banks need government to supervise. And then introduce the origin and contents of the old Basel’s, and then discuss in 1996 especially focus on modifying the content of minimum capital adequacy rate of Basel Capital Accord. Finally, I introduce the New Basel Capital Accord developmental process, contents and core principles for effective Banking Supervision.

    And in the end of the thesis will introduce the change and the history of Taiwan and Hong Kong’s system of banking supervision, and then discuss and compare the difference of the supervision method of banking capital adequacy requirement between Hong Kong and Taiwan after executing Basel Ⅱ. And take the experience of the management of minimum capital adequacy requirement in Hong Kong for the research of the management in Taiwan.
    Appears in Collections:[中國大陸研究所] 學位論文

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