CFA二级知识分享：Capital Adequacy是资本充足率？

发布时间：2021-12-02 09:20编辑：融跃教育CFA

Capital Adequacy是资本充足率，在CFA考试中这是CFA二级中的知识点，对于这个知识点你掌握的如何呢？跟着小编一起看看吧！

对于资本充足率，一方面基于风险需要对于riskier asset需要给与更高的权重；另一方面需要确定准备的资本及加权风险资本。

在核算资本充足率时，不同的资本具有不同的层级设定，具体包括：

Common Equity Tier 1 Capital 普通股一级资本，包括common stock, issuance surplus related to common stock, retained earnings, accumulated other comprehensive income, and certain adjustments including the deduction of intangible assets and deferred tax assets.

Other tier 1 capital 其他一级资本，包括Capital includes other types of instruments issued by the bank that meet certain criteria.

Tier 2 Capital 二级资本，包括instruments that are subordinate to depositors and to general creditors of the bank, have an original minimum maturity of five years, and meet certain other requirements.

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其中在巴塞尔协议三中，对于zui低资本率有相应要求：

Common Equity Tier 1 Capital must be at least 4.5% of risk-weighted assets.

Total Tier 1 Capital must be at least 6.0% of risk-weighted assets.

Total Capital (Tier 1 Capital plus Tier 2 Capital) must be at least 8.0% of risk-weighted assets.

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