中国商业银行的资本管理缺陷存在,尤其是现在支付宝和余额宝等网络产品的出现,使银行的大量资本外流,银行目前的主要项目是贷款,小额贷款发展不完善,大额贷款的回收率低,坏账过多,银行资本的收益率低。本文在对商业银行资本管理现状进行分析的基础上,结合银行经济资本管理的计量和作用,提出银行资本管理的建议。 The shortcomings of capital management in China’s commercial banks exist. In particular, the advent of network products such as Alipay and Yuen Po nowadays have led to the massive outflow of capital from banks. The main current projects of banks are loans, the development of microfinance is imperfect, and the recovery rate of large loans Low, bad debt too much, the return on bank capital is low. Based on the analysis of the status quo of capital management in commercial banks, this paper puts forward suggestions on bank capital management based on the measurement and function of bank economic capital management.