Capital Adequacy(资本充足率)研究综述
Capital Adequacy 资本充足率 - Performance over the period 2008-2018 is analyzed, related to: share of total assets in GDP, share of total loans in GDP, share of total deposit in GDP and level of capital adequacy of Central and Eastern European countries. [1] The study of legal aspects of regulating the capitalization of banks allowed to generalize the requirements for the level of capitalization by the central banks of Ukraine and Poland, as well as to determine the features of regulating the capital adequacy of banks by supervisors in the context of Basel III. [2] These multilevel parameters range from socio-economic challenges, cross-cultural differences, labour and capital adequacy in the health sector, organisational accessibility and sensitivity, inter-sectoral policies, to societal values and ideology as forms of oppression. [3] It is determined that the main goal of the enterprise is to ensure a normal level of capital adequacy. [4] Capital adequacy is an origination that results from reworking the banks' current capital structure to rebuild the banking industry against the widespread establishment. [5] As regards the controlled variables, only capital adequacy and firm size were found to positively and significantly influence financial performance. [6] The study examines the impact of bank-level factors like non-performing assets, capital adequacy, and insolvency risk on bank performance. [7] The former addresses banks and financial institutions regulating requirements for financial ratios and capital adequacy of these organizations. [8] Following random effect GLS model, this study aims at examining the consequence of credit performance and capital adequacy of Nepalese commercial banks. [9] The results showed that the factors affecting credit risk in the banking sector on the Indonesia Stock Exchange were capital adequacy (CAR) and management quality (BOPO), while profitability (NIM) and liquidity (LDR) did not affect the credit risk (NPL) of the banking sector on the Indonesia Stock Exchange. [10] A model of comprehensive financial policy is proposed with the emphasis on its capital adequacy. [11] Although this, there are a lot of times that financial institutions deal with significant problems one of which is capital adequacy. [12] The findings of the study support the premise that third party funds, asset composition, capital adequacy and market share all have a significant and positive impact on the PDM practices of IBs. [13] The results show that the factors that drive the convergence of banks are the factors of capital adequacy, low borrowing loans and operational efficiency of banking. [14] For this purpose, the author proposes a new synthetic measure — an integrated index for bank safety (IIBS index), which is universal and allows for an assessment of the bank safety level in terms of capital adequacy, liquidity situation, degree of financial leverage and the size of capital buffers. [15] CAMEL is a ratio-supported mechanism that evaluates bank performance through capital adequacy, quality of assets, management efficiency, quality of earnings, and liquidity. [16] Background: Our study aims to verify the impact of corporate governance index on financial performance, namely return on assets (ROA), general liquidity, capital adequacy and size of company expressed as total assets in the banking sector for both a developing and a developed country. [17] Banks are required to maintain the soundness level of the bank by paying attention to asset quality, capital adequacy, liquidity, management quality, and profitability, as well as solvency. [18] By using statistical models and lag time variables (one year lag) to interpret the return on investment per share in the current year, it is concluded that there was no statistically significant effect of the following independent factors: capital adequacy, surpluses, cash, market value-added, liquidity ratio, and trading volume on return on investment for commercial bank shares. [19] Credit capital requirement is a key component of Basel implementation to assess a bank’s capital adequacy. [20] This study aims to determine, test and analyze Liquidity, Capital Adequacy, Firm Size, Good Corporate Governance and Profitability of banking companies in Indonesia that are listed on the Indonesia Stock Exchange (BEI), the quarterly financial reports of 29 banking companies for the 2015-2018 period. [21] The study, therefore, is focused to investigate the capacity of bank-specific forces like capital adequacy and management quality for explaining the commercial bank’s liquidity decision in Pakistan. [22]分析了 2008-2018 年期间的表现，涉及：总资产占 GDP 的份额、总贷款占 GDP 的份额、总存款占 GDP 的份额以及中东欧国家的资本充足水平。 [1] 对监管银行资本化的法律方面的研究可以概括乌克兰和波兰中央银行对资本化水平的要求，并确定监管机构在以下背景下监管银行资本充足率的特征巴塞尔 III。 [2] 这些多层次参数的范围从社会经济挑战、跨文化差异、卫生部门的劳动力和资本充足率、组织的可及性和敏感性、跨部门政策，到作为压迫形式的社会价值观和意识形态。 [3] 确定企业的主要目标是保证正常水平的资本充足率。 [4] 资本充足率源于对银行当前的资本结构进行改造以重建银行业以对抗广泛的建立。 [5] 至于控制变量，只有资本充足率和公司规模被发现对财务业绩产生积极和显着影响。 [6] 该研究考察了银行层面的因素，如不良资产、资本充足率和破产风险对银行业绩的影响。 [7] 前者涉及银行和金融机构对这些组织的财务比率和资本充足率的要求。 [8] 本研究遵循随机效应 GLS 模型，旨在检验尼泊尔商业银行的信用表现和资本充足率的影响。 [9] 结果表明，影响印尼证券交易所银行业信用风险的因素是资本充足率（CAR）和管理质量（BOPO），而盈利能力（NIM）和流动性（LDR）对信用风险（NPL）没有影响。印度尼西亚证券交易所的银行业。 [10] 提出了以资本充足率为重点的综合金融政策模型。 [11] 尽管如此，金融机构在很多时候都会处理重大问题，其中之一就是资本充足率。 [12] 研究结果支持第三方资金、资产构成、资本充足率和市场份额都对 IB 的 PDM 实践产生重大和积极影响的前提。 [13] 结果表明，推动银行趋同的因素是资本充足率、低借贷率和银行经营效率等因素。 [14] 为此，作者提出了一种新的综合衡量指标——银行安全综合指数（IIBS 指数），该指数具有普遍性，可以从资本充足率、流动性状况、财务杠杆程度和资本缓冲的规模。 [15] CAMEL是一种比率支持的机制，通过资本充足率、资产质量、管理效率、收益质量和流动性来评估银行绩效。 [16] 背景：我们的研究旨在验证公司治理指数对财务绩效的影响，即资产回报率 (ROA)、一般流动性、资本充足率和公司规模，以发展中国家和发达国家银行业的总资产表示. [17] 银行需要通过关注资产质量、资本充足率、流动性、管理质量和盈利能力以及偿付能力来保持银行的稳健水平。 [18] 通过使用统计模型和滞后时间变量（滞后一年）来解释当年的每股投资回报率，得出以下独立因素在统计上不显着影响：资本充足率、盈余、现金、市场商业银行股票的附加值、流动性比率和交易量。 [19] 信贷资本要求是巴塞尔实施评估银行资本充足率的关键组成部分。 [20] 本研究旨在确定、测试和分析在印度尼西亚证券交易所 (BEI) 上市的印度尼西亚银行公司的流动性、资本充足率、公司规模、良好的公司治理和盈利能力，以及 29 家银行公司 2015 年的季度财务报告-2018 年期间。 [21] 因此，该研究的重点是调查银行特定力量的能力，例如资本充足率和管理质量，以解释商业银行在巴基斯坦的流动性决策。 [22]
non performing loan 无不良贷款
A multiple linear regression model is used to assess the impact of six bank-specific variables (Return on Equity, return on assets, size of the bank, liquidity gaps, non-performing loans and capital adequacy ratio) on the liquidity risk of UAE Islamic banks. [1] The purpose of this research is to examine the effect of the minimum capital adequacy ratio, the ratio of non-performing loans, operating costs and operating income, and company size on profitability. [2] Penelitian ini dilakukan untuk mnganalisa Rasio Keuangan yang diproksikan ke dalam CAR (Capital Adequacy Ratio) , LDR (Loan Deposit Ratio), NPL (Non Performing Loan) dan BOPO (Biaya Operasional dan Pendapatan Operasional) terhadap Profitabilitas yang diproksikan pada ROA (Return On Asset). [3] The purpose of this study was to determine the effect of the Loanito Deposit Ratio, Non Performing Loans, Capital Adequacy Ratio, and third Party Funds on Returning Assets in Banking Companies on the Indonesia Stock Exchange 2015-2019 Period either partially or simultaneously. [4] Hasil penelitian ini menunjukkan bahwa: (2) Non Performing Loan (NPL) tidak berpengaruh terhadap penyaluran kredit; (2) Suku bunga kredit tidak berpengaruh terhadap penyaluran kredit; (3) Capital Adequacy Ratio (CAR) berpengaruh positif dan signifikan terhadap penyaluran kredit; (4) Non Performing Loan (NPL), Suku Bunga Kredit dan Capital Adequacy Ratio (CAR) secara simultan berpengaruh terhadap penyaluran kredit. [5] The purpose of this research is to gather empirical evidence about the impact of Capital Adequacy Ratio (CAR), Non-Performing Loans (NPL), Operational Cost of Operating Income (BOPO), and Loan to Deposit Ratio (LDR) on the profitability of conventional banks listed on the Indonesia Stock Exchange from 2017 to 2019. [6] The research aims to prove empirically the influence of Non-Performing Loans, Loans to Deposit Ratio, Good Corporate Governance, Net Interest Margin, and Capital Adequacy Ratio on financial performance of banking companies listed on the IDX. [7] This research aims to test the influence of Third-party Funds (DPK), Capital Adequacy Ratio (CAR), Operational Income Operating Costs (BOPO), Loan to Deposit Ratio (LDR), and Non-Performing Loan (NPL) on the Profitability (ROA) at Conventional Commercial Banks Books 3 which are listed on Financial Services Authority (OJK) 2014-2018 period. [8] Dalam penulisan ini, penulis menganalisis ada tidaknya pengaruh dari variable Capital Adequacy Ratio (CAR), variable Non Performing Loan (NPL) dan variable Biaya Operasional Pendapatan Operasional (BOPO) terhadap pertumbuhan Laba pada Bank umum yang terdaftar di Bursa Efek Indonesia. [9] Projected risks are Capital Adequacy Ratio (CAR), Non Performing Loans (NPL) and Loan to Deposit Ratio (LDR). [10] This study aims to obtain empirical evidence of the effect of Non Performing Loans (NPL), Loan to Deposit Ratio (LDR), Capital Adequacy Ratio (CAR), and credit restructuring policies on the value of banking firms on the Indonesia Stock Exchange. [11] Results showed that the capital adequacy ratio and non-performing loan do not have effect with NIM. [12] After analyzing the available data, the study concludes that between the main factors that can affect the liquidity position of commercial banks, Non-performing loans, Capital adequacy, and Credit interest rate have the grand and most important impact on the liquidity banking position. [13] The main purpose of this study is to measure up to what extent the independent factors defined by capital adequacy ratio, non-performing loans ratio, cost-income ratio, liquidity ratio, and loans-to-deposits ratio impact the financial performance of sixteen commercial banks operating in the United Arab Emirates using panel data for the period of 2013-2019. [14] In the United States, capital adequacy ratio and the size of non-performing loans are significant determinants of banking sector profitability. [15] In an effort to understand the influence factors on non-interest income, this study examines the effect of market concentration on third party funds, credit market concentration, capital adequacy, bank liquidity, bank efficiency, non-performing loans, leverage, and reference interest rates on non-interest income. [16] Foreign bank performance is measured by ROA (Return on Assets), ROE (Return on Equity), CAR (Capital Adequacy Ratio), NPL (Non-Performing Loan). [17] This study aims to determine the effect of Non-Performing Loans and Capital Adequacy Ratio on Return on Assets at PT. [18] Bank Rakyat Indonesia, Bank Mandiri, and Bank Negara Indonesia are some of the banking companies that provide small business loans for MSME players with a view to find out the Capital Adequacy Ratio, Non-Performing Loan and Return On Asset in banking companies that distribute people’s Business Loans for the period 2010 - 2019. [19] Meanwhile, variables that do not affect Financial Distress are Non-Performing Loan (NPL), Loan to Deposit Ratio, Good Corporate Governance, and Capital Adequacy Ratio. [20] Finally, cross-sectional analyses show that the impact of geographical diversification on banks’ performance is more notable among city commercial banks that are younger, and have a lower capital adequacy ratio and a higher non-performing loan ratio. [21] Liquidity ratio as a dependent variable has been selected as measures liquidity risk whereas five independent variables size of bank, liquid assets ratio, capital adequacy ratio, Leverage, Non-performing loans have been selected for different types of bank-specific factors. [22] Aspek Risk Profile diukur menggunakan rasio Non Performing Loan (NPL),aspek Good Corporate Governance diukur menggunakan nilai komposit GCG, aspek Earning diukur menggunakan rasio Return on Equity (ROE), dan aspek Capital diukur menggunakan Capital Adequacy Ratio (CAR). [23] The research objective was to determine the effect of Non Performing Loans (NPL), Operational Costs on Operational Income (OCOI), Net Interest Margin (NIM), Loan to Deposits Ratio ( LDR) and Capital Adequacy Ratio (CAR) to profitability (ROA). [24] This study aims to determine the influence of financial performance measured by Non-Performing Loan Ratio (NPL), Loan to Deposit Ratio (LDR), Capital Adequacy Ratio (CAR), Debt to Equity Ratio (DER), Return on Assets (ROA), and Net Profit Margin (NPM) on price of stocks of banks listed in the Indonesia Stock Exchange (IDX) during 2014-2018. [25] The financial performance ratios were Capital Adequacy Ratio (CAR), Quality of earning assets, Non-Performing Loan (NPL), Loan to Deposit Ratio (LDR), and Return on Assets (ROA). [26] The research results show that the non-performing loan ratio and risk of joint-stock banks are higher, and the capital adequacy ratio is lower. [27] Along with the non-performing loan ratio (NPL), three other CAMEL ratios were also used as independent variables: capital adequacy (TRWCA), liquidity (LIQ) and management efficiency (MAN) to assess their impact on profitability and market value. [28] These financial indicators are listed as Non-Performing Loan (NPL), Non-Performing Loan Growth (NPLG), Loan Growth (LG), Deposit Growth (DG), Staff Cost Growth (SCG), Loan Deposit Ratio (LDR), Capital Adequacy Ratio (CAR), Net Interest Margin (NIM), and Net Interest Margin / Net Operating Cost (NIM-NOC). [29] This study aims to determine how the influence of Loan to Deposit Ratio, Capital Adequacy Ratio and Non Performing Loans on Banking Profitability Listed on the Indonesia Stock Exchange (IDX) that occurs at PT Bank Central Asia Tbk, PT Bank Rakyat Indonesia (Persero) Tbk, PT Bank Mandiri (Persero) Tbk, PT Bank CIMB Niaga Tbk, PT Bank Negara Indonesia (Persero) Tbk, PT Bank Tabungan Negara (Persero) in 2014-2018. [30] Tujuan penelitian ini yaitu untuk menguji dan menganalisis pengaruh Capital Adequacy Ratio, Non Performing Loan , Net Interest Margin, Biaya Operasional Pendapatan Operasional , Loan to Deposit Ratio, Posisi Devisa Netto, dan Suku Bunga SBI secara parsial terhadap Return On Asset pada Bank Devisa di Indonesia periode 2009 sampai dengan 2013 serta menguji dan menganalisis pengaruh Capital Adequacy Ratio, Non Performing Loan, Net Interest Margin, Biaya Operasional Pendapatan Operasional , Loan to Deposit Ratio, Posisi Devisa Netto, dan Suku Bunga Sertifikat Bank Indonesia (SBI) secara simultan. [31] This research aim is to investigate the effect of Capital Adequacy Ratio (CAR), Third Parties Funds (TPF), dan Non-Performing Loan (NPL), on Profitability with LDR as Intervening Variables. [32] The ratio used to measure credit risk using the Non Performing Loan (NPL), liquidity risk using the Loan to Funding Ratio ( LFR) and bank capital using the Capital Adequacy Ratio (CAR). [33] INFO ARTIKEL ABSTRACT Diterima 5 April 2021 Direvisi 10 April 2021 Disetujui 15 April 2021 This study aims to determine the development of the influence of Third Party Funds (DPK), Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), and Interest Rate (BI Rate) together and partially on retail lending. [34] The purpose of this study is to determine the effect of Third Party Funds (TPF), Capital Adequacy Ratio (CAR), Return on Assets (ROA), Non Performing Loans (NPL), and Loan to Deposit Ratio (LDR) on credit disbursement at conventional banks period year 2015-2019. [35] At the same time, credit risk is quantified with four indicators: Non-performing loan Ratio (NPLR), Loan to Deposit Ratio (LDR), Net Charge off Ratio (NCOR), and Capital Adequacy Ratio (CAR). [36] This study aims to analyze the effect of Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Operational Costs on Operating Income (BOPO), Net Interest Margin (NIM) and and Loan to Deposit Ratio (LDR) on Return on Assets (ROA). [37] The variables that determine the profitability of a bank as measured by Return on Assets (ROA) include: Non Performing Loans (NPL), Operating Costs for Operating Income (BOPO), Loan to Deposit Ratio (LDR), and Capital Adequacy Ratio (CAR). [38] In the United States, capital adequacy ratio and the size of non-performing loans are significant determinants of banking sector profitability. [39] Non-performing loans, capital adequacy, and GDP market price are the primary predictors of bank performance in South Africa, according to the findings of the study, which were done using random effects panel data analysis. [40] Thus the results of this study are intended to determine the effect of Non Performing Loan, Loan to Deposit Ratio, Good Coorporate Governance, Net Interest Margin, Return On Asset, Capital Adequacy Ratio and Economic Value Added on the Bank's Stock Price. [41] The determinants of bank risk in the study are Capital Adequacy Ratio (CAR), Non-Performing Loan (NPL), Loan to Deposit Ratio (LDR), Market Power (MP), Exchange Rate (ER), Interest Rate (IR), and Technology Investment (TI). [42] Variabel Capital Adequacy Ratio mempengaruhi Non Performing Loans secara signifikan. [43] This research aims to determine the impact of green banking daily operation, green banking policy (GBP), capital adequacy, non-performing loan (NPL), bank efficiency, and bank liquidity on bank profitability. [44] The study tries to discover the influence of NPL (non performing loans), Good Corporate Governance (GCG), Operational Expenses Compared to Operational Revenue (BOPO) and Capital Adequacy Ratio (CAR) toward profitability (ROA) of banking Indonesia and Malaysia. [45] This study proposes the bank risk scenario after the credit restructuring policy of the OJK moratorium in March 2022 and proposes the internal bank policy simulation to mitigate credit and capital risks in terms of Non-Performing Loan (NPL) and Capital Adequacy Ratio (CAR). [46] This study aims to examine the effect of Non Performing Loans (NPL), Capital Adequacy Ratio (CAR), Return On Asset (ROA), Operating Expense Towards Operating Income (BOPO), and Company Size (SIZE) on the Stock Return of banking companies listed in IDX for the period 2015-2019. [47] The purpose of this research is to examine and analyze the effect of Third Party Funds, Capital Adequacy Ratio, Non-Performing Loans and Interest Rate Stimulant and Partial on Commercial Bank Credit Distribution listed on the IDX. [48] The results of this study indicate: Capital Adequacy Ratio (CAR) has negative and insignificant effect, then Non Performing Loans (NPL), Operating Costs to Operating Income (BOPO), Loan to Deposit Ratio (LDR), Inflation, and Company Size (Size) insignificant positive effect. [49] Changes in profit trend decreased in The People's Credit Bank of Badung Regency and the gap in research became the basis for research on the influence of Non Performing Loan, Capital Adequacy Ratio, Loan to Deposit Ratio and Debt to Asset Ratio on changes in profit at The People's Credit Bank in Badung Regency. [50]使用多元线性回归模型评估六个银行特定变量（股本回报率、资产回报率、银行规模、流动性缺口、不良贷款和资本充足率）对阿联酋伊斯兰银行流动性风险的影响银行。 [1] 本研究的目的是考察最低资本充足率、不良贷款率、营业成本和营业收入以及公司规模对盈利能力的影响。 [2] nan [3] nan [4] nan [5] nan [6] nan [7] nan [8] 在本文中，笔者分析了可变资本充足率（CAR）、可变不良贷款（NPL）和可变营业收入营业成本（BOPO）对上市商业银行利润增长的影响。印度尼西亚证券交易所。 [9] nan [10] nan [11] nan [12] nan [13] nan [14] nan [15] nan [16] nan [17] nan [18] nan [19] nan [20] nan [21] nan [22] nan [23] nan [24] nan [25] nan [26] nan [27] nan [28] nan [29] nan [30] nan [31] nan [32] nan [33] nan [34] nan [35] nan [36] nan [37] nan [38] nan [39] nan [40] nan [41] nan [42] nan [43] nan [44] nan [45] nan [46] nan [47] nan [48] nan [49] nan [50]