巴塞尔协议3英文版.docVIP

Basel Committee on Banking Supervision Basel III: A global regulatory framework for more resilient banks and banking systems December 2010 Copies of publications are available from: Bank for International Settlements Communications CH-4002 Basel, Switzerland E-mail: publications@ Fax: +41 61 280 9100 and +41 61 280 8100 ? Bank for International Settlements 2010. All rights reserved. Brief excerpts may be reproduced or translated provided the source is stated. ISBN print: 92-9131-859-0 ISBN web: 92-9197-859-0 Contents Contents ...................................................................................................................................3 Introduction...............................................................................................................................1 A. Strengthening the global capital framework ....................................................................2 1. Raising the quality, consistency and transparency of the capital base ..................2 2. Enhancing risk coverage........................................................................................3 3. Supplementing the risk-based capital requirement with a leverage ratio...............4 4. Reducing procyclicality and promoting countercyclical buffers ..............................5 Cyclicality of the minimum requirement .................................................................5 Forward looking provisioning .................................................................................6 Capital conservation...............................................................................................6 Excess credit growth ..............................................................................................7 5. Addressing systemic risk and interconnectedness ................................................7 B. Introducing a global liquidity standard ............................................................