一、相关背景巴塞尔委员会是1974年由十国集团中央银行行长倡议建立的,其成员包括十国集团中央银行和银行监管部门的代表。自成立以来,巴塞尔委员会制定了一系列重要的银行监管规定,如1983年的银行国外机构的监管原则(又称巴塞尔协定,Basel Concordat)和1988年的巴塞尔资本协议。这些规定不具法律约束力,但十国集团监管部门一致同意在规定时间内在十国集团实施。巴塞尔协议的出台源于前联邦德国银行和美国富兰克林国民银行的 I. Background The Basel Committee was established in 1974 on the initiative of the president of the Central Bank of the Group of Ten and its members include the representatives of the Central Bank of the Group of Ten and banking regulatory authorities. Since its inception, the Basel Committee has enacted a series of important banking regulations, such as the regulatory principles of foreign banks in the banking sector in 1983 (aka Basel Concordat) and the 1988 Basel Capital Accord. These rules are not legally binding, but the supervisory authorities of the Group of Ten unanimously agree to implement them in the G-10 within the stipulated time. Basel agreement issued from the former Federal Bank of Germany and the United States Franklin National Bank