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資(zi)(zi)(zi)(zi)本充(chong)(chong)足率是指(zhi)銀(yin)(yin)(yin)行(xing)(xing)業(ye)金融機(ji)(ji)構持(chi)有(you)的(de)、符合監管機(ji)(ji)構規定的(de)資(zi)(zi)(zi)(zi)本與風險加(jia)權(quan)資(zi)(zi)(zi)(zi)產之間的(de)比率，用(yong)以衡量其資(zi)(zi)(zi)(zi)本充(chong)(chong)足程度(du)。資(zi)(zi)(zi)(zi)本作為(wei)一種風險緩沖劑，具(ju)有(you)承(cheng)擔風險、吸收損失、保護(hu)銀(yin)(yin)(yin)行(xing)(xing)業(ye)金融機(ji)(ji)構抵(di)御意(yi)外沖擊(ji)的(de)作用(yong)，是保障銀(yin)(yin)(yin)行(xing)(xing)業(ye)金融機(ji)(ji)構安(an)全的(de)最后一道防線。資(zi)(zi)(zi)(zi)本充(chong)(chong)足程度(du)直(zhi)接決定銀(yin)(yin)(yin)行(xing)(xing)業(ye)金融機(ji)(ji)構最終(zhong)清償能(neng)力和(he)(he)抵(di)御各類風險的(de)能(neng)力。按(an)照(zhao)我國《商業(ye)銀(yin)(yin)(yin)行(xing)(xing)資(zi)(zi)(zi)(zi)本充(chong)(chong)足率管理(li)辦法》規定，商業(ye)銀(yin)(yin)(yin)行(xing)(xing)資(zi)(zi)(zi)(zi)本包(bao)(bao)括核(he)(he)心(xin)資(zi)(zi)(zi)(zi)本和(he)(he)附(fu)屬(shu)(shu)資(zi)(zi)(zi)(zi)本，核(he)(he)心(xin)資(zi)(zi)(zi)(zi)本包(bao)(bao)括實收資(zi)(zi)(zi)(zi)本或(huo)普(pu)通股(gu)、資(zi)(zi)(zi)(zi)本公(gong)積、盈余公(gong)積、未分配利潤和(he)(he)少數股(gu)權(quan)；附(fu)屬(shu)(shu)資(zi)(zi)(zi)(zi)本包(bao)(bao)括重(zhong)估(gu)儲(chu)備、一般儲(chu)備、優先(xian)股(gu)、可轉換債(zhai)券和(he)(he)長期次級(ji)債(zhai)券。商業(ye)銀(yin)(yin)(yin)行(xing)(xing)資(zi)(zi)(zi)(zi)本充(chong)(chong)足率不得低于8%，核(he)(he)心(xin)資(zi)(zi)(zi)(zi)本充(chong)(chong)足率不得低于4%。