全国政协委员、工行行长杨凯生介绍,金融监管改革的一项重要内容,就是对银行资本充足率提出更高的监管标准。按照《巴塞尔资本协议Ⅲ》的监管规定,每笔贷款所占用的监管资本是由五个因素决定,除了贷款金额的大小外,主要取决于贷款违约率、违约损失率、贷款期限,以及与宏观经济的关联度。 Yang Kaisheng, member of the CPPCC National Committee and president of the Industrial and Commercial Bank of China, introduced an important part of the financial regulatory reform in putting forward higher regulatory standards on the capital adequacy of banks. According to the regulation of Basel III, the regulatory capital occupied by each loan is determined by five factors, except for the size of the loan, which mainly depends on the loan default rate, the default loss rate, the loan term, and Macroeconomic relevance.