The basel agreement was formulated by a committee commissioned by the bank for international settlements to coordinate and standardize bank capital adequacy globally by relating the risk of a bank ' s operations to its capital needs 巴塞尔协议是巴塞尔银行监管委员会发布的一系列规范银行监管问题的文件,是国际银行业的国际规范和准则,其核心内容是引进风险资产比率的概念,同时通过控制和提高资本在风险资产中的适当比例来保证银行经营的稳定性。