本文的目的是讨论如何利用征信体系中的公共信用信息系统（PCR）服务于新巴塞尔协议意义下的商业银行资本监管。
The paper aims systematically at investigating how to use public credit registry(PCR) to serve capital regulation of banking system under Basel II.
许多新奇工具的流行是因为他们可以绕过类似银行资本充足率一类的金融监管。
Many of the new-fangled instruments became popular because they got around financial regulations, such as rules on Banks' capital adequacy.
与IIF相比，瑞士的监管者们则认为对于该国两家大银行资本要求的大幅提升对经济的影响甚小。
In contrast to the IIF, Swiss regulators argue that the dramatic rise in capital levels at their two big Banks has had little impact on the economy.
巴塞尔协议向银行资本提供的资本充足率基准就是一个很好的实例，体现了各国监管机构是如何参照全球同一标准工作的。
The Basel Accords on capital adequacy, which set a common floor for Banks' capital, are an example of how national regulators can agree to near-global rules.
银行，监管银行资本充与否的监管者们，以及政客们看来梦想着关于真实状况的一个统一，成熟的版本，这能够加强金融稳定。
The Banks, their capital-adequacy regulators and politicians seem to dream of a single, grown-up version of the truth, which enhances financial stability.
新巴塞尔协议首次将操作风险纳入银行资本计量与监管范围。
Basel II will be the first operational risk measurement and capital into the Banks under its jurisdiction.
在国际金融监管越来越重视节约成本、提高效率的大趋势下，银行资本充足率管理方式正在从利用库克比率向利用银行内部风险管理模型CAR转变。
Under this trend, the supervisory model of banking capital adequacy rate is transforming from making use of Cooke Ratio to making use of CAR the internal model of bank risk management.
监管压力总体而言会显著地降低银行的风险，但对上市银行风险的影响并不明显，而监管压力对银行资本产生影响并不显著。
In general, regulatory pressure can decrease bank risk notably, but it cannot affect risk of listed Banks and influence bank capital in an obvious way.
然而，FSA的一项建议确实包括了要加强央行系统监管的角色，使其能够调整银行资本支出，从而降低经济繁荣与萧条交替所带来的影响。
One of the FSA's proposals, however, does include strengthening the central bank's systemic-scrutiny role; giving it power to adjust banks' capital charges to mitigate booms and busts.
中央银行对商业银行资本充足性管理是其监管的核心。
To management the adequacy rate of capital on the state owned commercial bank is the core task for the center bank to supervise.
中央银行对商业银行资本充足性管理是其监管的核心。
To management the adequacy rate of capital on the state owned commercial bank is the core task for the center bank to supervise.
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