本报记者 刘兰香 北京报道

Our reporter LiuLanXiang reports from Beijing

　　近日，美联储、美国联邦存款保险公司以及美国通货监理局联合宣布，美国将不会如期实施从2013年1月1日开始生效的《巴塞尔协议III》，令外界猜疑中国是否亦会延迟实施。

recently,The fed/The federal deposit insurance corporation and the American currency supervision bureau jointly announced,The United States will not duly implemented from January 1, 2013 come into effect[Basel agreement III],Make the outside suspicion whether China will also delay implementation.

　　“美国宣布推迟后，欧盟可能也会步其后尘。但我们认为，中国实施巴塞尔协议III不仅仅是为了履行义务，更重要的是它考虑了中国国情，符合中国自身的利益。所以中国的金融监管当局不会受个别国家推迟的影响，会坚定不移地实施新标准。”银监会副主席王兆星11月20日在新浪金麒麟论坛上表示。

"The United States has announced after the delay,The European Union may also be following its lead.But we think,China to implement Basel agreement III is not only in order to perform their duties,More important is it considered the China's national conditions,In accordance with China's own interests.So China's financial regulatory authorities will not by individual countries the influence of delay,Will unswervingly implement the new standard."Vice President WangZhaoXing banking regulatory commission on November 20, in sina JinQiLin BBS on Wednesday.

　　他同时透露，不久将发布关于商业银行资本工具创新的指导意见，鼓励银行通过市场化、商业化手段更多地进行资本工具的创新，活跃资本市场的同时满足银行补充资本的需求。

He also revealed that,Will soon release about commercial bank capital tool innovation instruction opinion,Encourage bank through the market/Commercial means more capital to the innovation of tools,Active capital market at the same time satisfy the bank added capital demand.

　　“坚定不移地推进实施” "Unswervingly promote implementation"

　　中国农业银行(601288,股吧)金融市场部近日发布的报告分析称，美国经济状况仍然不佳是美国推迟实施巴塞尔协议的主要原因。

Agricultural bank of China(601288,guba)Financial Marketing Department recently released report analysis says,The United States economic situation is still not beautiful is the implementation of Basel agreement put off the main reason.

　　同时，美国银行业面临着资本短缺和盈利能力下降的问题。据上述报告测算，如果要考虑巴塞尔协议对扣除项的新标准和未来银行加权风险资产的增长，到2019年，美国银行业将需要补充8700亿美元的一级资本，8000亿美元的短期流动性资产，32000亿美元的长期融资。当其他条件不变时，巴塞尔协议将使美国银行业的净资产收益率下降3%。

At the same time,The United States banking facing capital shortage and profitability declines.According to the report estimates,If want to consider to the Basel agreement deduction item of new standard and future bank weighted risk asset growth,By 2019,The United States banking will need to add $870 billion level of capital,Us $800 billion of short term liquidity assets,$3.2 trillion of long-term financing.When the other conditions at constant,Basel agreement will make the United States banking return on equity fell by 3%.

　　除更严格的资本金监管标准，业界对流动性监管指标的争议也很大。自2000年以来，巴塞尔委员会陆续对流动性风险监管作了四次重大调整，尤其是巴塞尔协议将流动性风险监管列在金融监管的重要位置，引入两大流动性监管指标流动性覆盖率和净稳定资金比例。两大指标纵然对商业银行流动性管理有了新的约束，但某些细节定义对于美国来说并不适宜。

In addition to the more strict capital regulatory standards,The industry of liquidity supervision index of the dispute is very big also.Since 2000,The Basel committee of liquidity risk supervision in the four major adjustment,Especially the Basel agreement will liquidity risk supervision listed in the financial supervision is an important position,Introduce two big liquidity supervision index liquidity coverage rate and net stable fund proportion.Two big index never to commercial bank liquidity management have new constraint,But the details for the United States definition is not appropriate.

　　尽管美国已经表态将无限期推迟实施《巴塞尔协议III》，但中国监管层显然并无此打算。

Although the United States has said will indefinitely delayed implementation[Basel agreement III],But China supervision layer clearly and without this going to.

　　“中国政府和政府金融监管当局一定会坚定不移地来推进新的资本标准的实施，把它作为中国金融业改革、金融监管改革，维护金融安全、促进经济可持续发展的一个非常重要的契机，而不会受某些国家由于国内的困难而推迟实施的影响。”王兆星表示。

"The Chinese government and the government financial regulatory authorities will unswervingly to promote the implementation of the new capital standards,As the reform of China's financial industry/Financial regulatory reform,Maintain financial security/To promote the sustainable development of economy in a very important opportunity,Not by some countries due to the difficulty of domestic delayed the influence of implementation."WangZhaoXing said.

　　“鼓励银行资本工具创新” "Encourage bank capital tool innovation"

　　对于中国监管层的“坚定不移”，有银行人士认为是由于与国外同行相比，中国银行(601988,股吧)业的处境要轻松很多，因为目前中国监管部门所设定的监管要求已经可以覆盖巴III的要求，而且多数银行都已经满足了这些要求。2012年中报数据显示，中国大中型银行资本充足率均超过10%，核心资本充足率也在8%以上，平均拨备覆盖率则是超过150%。

For China's supervision of the layer"unswervingly",Have bankers think is due to foreign counterparts and compared,The bank of China(601988,guba)Industry situation to much easier,Because China's regulators set regulatory requirements have been able to cover and the requirements of III,And most Banks are already satisfy these requirements.2012 NianZhongBao data display,China's large and medium-sized bank capital adequacy ratio is more than 10%,The core capital adequacy ratio are also more than 8%,Average provision coverage rate is more than 150%.

　　中国将坚定实施新资本标准 China will firmly implement new capital standards

　　不过，监管层的视野显然更远。王兆星提出我国银行业在实施新国际标准过程当中，应实现六个方面的结合。

but,Supervision layer vision farther obviously.WangZhaoXing put forward our country banking in the implementation of the new international standard process,Should be realized the combination of six aspects.

　　“首先要把提高资本要求与提高我国商业银行的风险管理水平有机地结合起来。通过实施新的资本标准，推动我国商业银行充分地学习、借鉴、吸收和把握最先进的风险管理理念和方法。”他表示。

"First of all to improve capital requirements and improve our country commercial bank risk management level organically.Through the implementation of the new capital standards,To promote our country commercial bank fully learning/reference/Absorption and master the most advanced risk management idea and method."He said.

　　第二，在实施国际标准当中，监管层也在试图把推进实施国际新标准与支持中国的实体经济紧密地结合。“我们在设计新的资本标准的过程当中，考虑了中国银行业的资产负债结构，风险结构和业务结构，设计了在国际标准框架下所允许的我们对风险的判断和资本的要求，充分考虑了中国银行业自身对实体经济需要的支持。”王兆星称。

The second,In the implementation of international standard,Supervision layer are also trying to push the implementation of new international standard and support China's real economy closely."We are designing new capital standard process,Considering the Chinese banking assets and liabilities structure,Risk structure and business structure,The design in the international standard under the framework of the allowed us to the judgment of the risk and capital requirements,The full consideration of the China banking itself to the entity economy needs the support."WangZhaoXing says.

　　第三，监管层试图从国情出发，借鉴、学习国际监管的最佳实践。“第四，我们也努力寻求推动新标准的实施与促进银行业转变发展方式，优化业务结构有机地结合起来。”他表示。

The third,Supervision layer attempts to national conditions,reference/Learning the international supervision of best practice."The fourth,We also try to seek to promote the implementation of the new standard and promote banking transformation development mode,Optimization of business structure organically."He said.

　　同时，“考虑到中国资本市场和经济增长的现实，中国银行业也必须不断补充资本，我们一方面鼓励商业银行更多地用自己的利润来实现内源的积累，同时也充分利用国际监管标准所提供的空间，来鼓励商业银行进行新的资本工具创新，来补充附加资本、二级资本的要求。”

At the same time,"Considering China's capital market and the reality of economic growth,China banking also must constantly supplementary capital,On one hand we encourage commercial Banks more with their own profits to realize the accumulation of endogenous,At the same time also make full use of international regulatory standards provided by the space,To encourage commercial bank new capital tool innovation,To add additional paid-in capital/Secondary capital requirements."

　　最后，监管层也在努力把推进实施新的标准与提升中国银行业的竞争力有效地结合起来。“要真正做到实施新的标准不是削弱而是更加有利于提升中国银行业的竞争力。”王兆星称。

finally,Supervision layer are also trying to promote the implementation of the new standard and improve the competitiveness of China's banking industry effectively combined."To truly implement new standard is not weaken but more help to promote the competitiveness of China's banking industry."WangZhaoXing says.