A Study On Capital Supervision Of The Commercial Banks In China Under New Basel Accord

Capital is the base on which commercial banks survive and develop, and capital supervision is part of banking supervision. How to carry out a proper and effective capital supervision to commercial banks is the starting point and destination of Basel Capital Agreement. This agreement is influencing global banking activity deeply and its supervision requirement and method is displaying the advanced idea in banking supervision and best practical experience in banking risk management. New Basel Capital Agreement is to be implemented in developed countries. As a developing country with the entry of WTO, China concerns how to reform banks in line with the other world. Therefore, to research the content and requirement of New Basel Capital Agreement in order to improve China's banking management according to the supervision frame in the agreement is of great importance.The dissertation analyzes the theoretical premise of capital abundance supervision, researches the features of the old and new Basel capital agreements, compares the changes in core contents and discusses on the technique of capital abundance supervision in the new agreement. Through the reference of the new regulations and the research of capital, capital abundance rate and capital supervision in China's banks, the dissertation put forward the strategies in line with China's banking situation and the international bank's standard.The dissertation consists of seven chapters with the first chapter introductory and the seventh conclusion and expectation. The main body of the dissertation is from chapter 2 to chapter 6, which make up what the dissertation is about. The dissertation mainly analyzes the theoretical basis of bank system supervision, discusses the necessity and effectiveness of bank capital supervision. compares the new Basel agreement with the old one, reveals the essence of the change from "one law" to "three poles", Looks back on the development procedures of the capital supervision of China's commercial banks and analyzs the existing problems and reasons of the capital supervision of our commercial banks, depicts the reform tendency of the capital supervision of our commercial banks. By generalizing the main frame to calculate bank capital abundance rate under new agreement, The dissertation analyzes and estimates capital withdrawing and measuring methods of three types of risk, uncovers the technical connotation of the new agreement. According to the capital requirements of operation and market risks by the new Basel agreement, various measuring and analyzing methods should be chosen and the practical research should be made in line with Chinese present situation. From the work of capital supervision, bank risk management and information depiction, The dissertation raises specific countermeasures.