经营成本

This article embarks from the perfect commercial bank management angle of view, withpracticed two aspects to our country commercial bank capital management from the theory tocarry on the system elaboration, moreover by " Bassel New Capital Agreement" taking theresearch the backing, unified our country to analyze the history of commercial bank capitalmanagement, the present situation and the existing questions. And then sets up the economicalcapital idea separately, enhances the capital ratio adequacy guard systematic risk, theimprovement capital structure reduces the capital cost three aspects to propose the correspondingcountermeasure, had the strong practical significance.

本文从健全商业银行经营管理的视角出发，对我国商业银行资本金管理从理论与实践两方面进行了系统论述，而且以《巴塞尔新资本协议》作为研究的依托，结合我国实际分析我国商业银行资本金管理的历史、现状及存在的问题，并分别从树立经济资本理念、提高资本充足率防范系统性风险、改善资本结构降低资本成本三方面提出了相应对策，具有较强的实际意义。

The split between the two groups can hardly be papered over.

这两个团体间的分歧难以掩饰。

This approach not only encourages a greater number of responses, but minimizes the likelihood of stale groupthink.

这种做法不仅鼓励了更多的反应，而且减少跟风的可能性。