capital adequacy

简明释义

资本充足率

英英释义

例句

1.The bank's management team is focused on improving its capital adequacy 资本充足性 ratio to meet regulatory requirements.

银行的管理团队专注于改善其资本充足性比率，以满足监管要求。

2.The central bank has set minimum capital adequacy 资本充足性 standards for all financial institutions.

中央银行为所有金融机构设定了最低的资本充足性标准。

3.Regulatory bodies frequently assess the capital adequacy 资本充足性 of banks to ensure stability in the financial system.

监管机构经常评估银行的资本充足性以确保金融系统的稳定性。

4.A high capital adequacy 资本充足性 ratio indicates that a bank is well-capitalized and can withstand financial shocks.

高的资本充足性比率表明银行资本充足，能够承受金融冲击。

5.Investors often look at a company's capital adequacy 资本充足性 before making a decision to invest.

投资者在做出投资决策之前，通常会关注公司的资本充足性。

作文

In the world of finance and banking, the term capital adequacy refers to the sufficiency of a bank's capital relative to its risk-weighted assets. This concept is crucial for maintaining stability in the financial system and protecting depositors' interests. The primary purpose of capital adequacy is to ensure that banks can absorb a reasonable amount of loss and comply with statutory Capital Requirements. Essentially, it acts as a buffer against potential financial distress, allowing banks to continue operations even during economic downturns.The importance of capital adequacy became particularly evident during the global financial crisis of 2007-2008. Many banks faced severe losses due to their exposure to subprime mortgages and other risky assets. Those with stronger capital positions were better able to weather the storm, while others were forced to seek government bailouts or declare bankruptcy. This highlighted the necessity for regulatory frameworks, such as the Basel Accords, which set forth international standards on capital requirements for banks.Under the Basel III framework, which was introduced in response to the financial crisis, banks are required to maintain a minimum Common Equity Tier 1 (CET1) capital ratio of 4.5% of their risk-weighted assets. This means that for every dollar of risk-weighted assets, banks must hold at least 4.5 cents in high-quality capital. Additionally, Basel III introduced measures to enhance transparency and reduce reliance on external credit ratings, further emphasizing the significance of capital adequacy.Investors and stakeholders closely monitor a bank's capital adequacy ratios as an indicator of its financial health. A bank with strong capital adequacy ratios is generally viewed as more stable and less likely to fail, making it a more attractive investment. Conversely, a bank with low capital adequacy may struggle to attract investors and could face higher borrowing costs. This dynamic creates a feedback loop where the perception of a bank's stability influences its actual stability.Moreover, capital adequacy plays a vital role in promoting confidence in the banking system. When customers know that their bank has sufficient capital to cover potential losses, they are more likely to deposit their money, knowing it is safe. This trust is fundamental to the functioning of the banking system, as it encourages liquidity and supports economic growth.In conclusion, capital adequacy is a cornerstone of a resilient banking system. It not only protects individual banks from insolvency but also contributes to the overall stability of the financial system. As we have witnessed in recent history, the consequences of inadequate capital can be devastating, leading to widespread economic repercussions. Therefore, ensuring that banks maintain appropriate levels of capital is essential for safeguarding the interests of depositors and promoting long-term economic prosperity.

在金融和银行的世界中，术语资本充足性指的是银行的资本相对于其风险加权资产的充足性。这个概念对于维护金融系统的稳定和保护存款人的利益至关重要。资本充足性的主要目的是确保银行能够吸收合理的损失，并遵守法定资本要求。基本上，它充当了潜在财务危机的缓冲，使银行即使在经济下滑期间也能继续运营。资本充足性的重要性在2007-2008年的全球金融危机期间尤为明显。许多银行因其对次级抵押贷款和其他高风险资产的暴露而面临严重损失。那些资本实力较强的银行更能经受住风暴，而其他银行则被迫寻求政府救助或宣告破产。这突显了监管框架的必要性，例如巴塞尔协议，该协议规定了银行资本要求的国际标准。根据巴塞尔III框架，在金融危机后引入，银行必须保持最低普通股一级资本（CET1）比率为其风险加权资产的4.5%。这意味着，对于每一美元的风险加权资产，银行必须至少持有4.5美分的高质量资本。此外，巴塞尔III还引入了增强透明度和减少对外部信用评级依赖的措施，进一步强调了资本充足性的重要性。投资者和利益相关者密切关注银行的资本充足性比率，作为其财务健康状况的指标。资本充足性比率强的银行通常被视为更稳定，不太可能失败，从而成为更具吸引力的投资对象。相反，资本充足性低的银行可能会在吸引投资者方面遇到困难，借贷成本也可能更高。这种动态形成了一个反馈循环，银行稳定性的感知影响其实际稳定性。此外，资本充足性在促进对银行系统的信心方面发挥着至关重要的作用。当客户知道他们的银行拥有足够的资本来覆盖潜在损失时，他们更有可能存钱，因为他们知道资金是安全的。这种信任是银行系统运作的基础，因为它鼓励流动性并支持经济增长。总之，资本充足性是一个韧性银行系统的基石。它不仅保护个别银行免于破产，而且有助于整个金融系统的稳定。正如我们在近期历史中所见，资本不足的后果可能是毁灭性的，导致广泛的经济影响。因此，确保银行维持适当的资本水平对于保护存款人利益和促进长期经济繁荣至关重要。