()20036(122)X:WTO,,,WTO,,,:,:20011211,WTO,,,20011211,,,;,20011212(),,;WTO,;;43X,1.5,1,:32WTO,WTO,,:,;1,;2,;3,;4,;5,:2,;5,,5,,,;5,,;,,,,,,,,,,,,,,,,,,:(),,,,1975,,,,,,,,(WTO),,,,,,(),,,,,,,,,,()2,53:::,(),,(),,(),,(),,,,,,1975,(theBasleConcordat)1983,,,,,,,,1990,199120,,1992,,,199610,29,,()1988,(theBasleCapi2talAccord)2080,,,,,,,,8%,4%,,1998632003619996(ANewCapitalAdequacyFramework),20011,20011,,,(ThreePillars)(MinimumCapitalRequirements)(SupervisoryReviewProcess)(MarketDiscipline),(InternalRatings-BasedApproach,IRB),,(),,,1979,,,,,,,,,,,,19897,(),,,1978,,,1991,,,(FBSEA),,5%,,,19996,73::,200232,:,199871:,19999150,000,,,,,,:(1),,(2),,(3)(4)(5)(6)(7)6,,,1.3;2;12.,:;2;1100;3.,:2;1200;4.,:;;1100;(),1991,:;;,;lu:(1)5%,(2),22%,8320036lu,,(3),,(4),(5),lv,1999,,,:1956;,,lw,:1.,2.,,,3.30%,4.,205.1,,6.,7.,,:(),,,()197410,1975,,,,,,,,,,93:lvlw:,200051,()199956,,,,,20025,,,,20009,,,,,()(Risk-basedSupervision)2070,,lx(riskidentification)(riskevaluation)(riskcontrol)(riskdecision)1988719979ly,,,,8%;,8%;25%,,,(:)0420036lxly:,,:,199871,