Study On Risk Capital In Chinese Commercial Banks

Risk control is commercial bank management and stable operation of the venture capital is key, risk control is important one annulus. Aiming at the commercial Banks to venture capital, mainly from the commercial bank capital sources of risk and how to control commercial bank capital risk analysis from two aspects. (1) commercial bank capital sources of risk through two aspects of dynamic and static, analyzes the sources of risk. Dynamic to through the capital operation efficiency of risk factors, and bring in the process of capital operating risks. Capital efficiency discretion is mainly composed of commercial Banks immature technical means to bring, and capital operation of capital, capital structure, the dynamic change, give ingredients of commercial bank, the risk is also in this paper, including the research object of the formation of the risk, control the size of means, the risk. Static refers to commercial Banks capital formation, the risk factors. Because capital is to analyze a major commercial Banks to commercial Banks, is asset-liability ratio of long-term overall qualitative analysis, so be static method of study. In this chapter, combined with the Basel, has analyzed our country commercial bank to introduce the Basel capital risk control why cannot have good effects. (2) control commercial bank capital risk. According to sources of risk and the present situation, the union capital structure, capital operation, the dynamic adjustment of operation efficiency of capital are put forward the strategies to reduce risk. According to the present situation of commercial Banks with international Basel rules the successful experience, and puts forward effective implementation of measures.In China's banking industry has been at the end of 2006, with full opening to international market, China's banking also must abide by international banking "rules of the game", compared with the developed countries, many developing countries are not sound financial system, this paper mainly from domestic commercial Banks in actual management with our country commercial bank capital management method to find the domestic banking sector capital management deficiencies, and further analyzes the problems faced by the commercial bank, or bring deterioration of China's banking industry finally based on actual situation proposed some reform measures, and may establish modern bank capital from management mechanism, improving the bank's capital structure, strengthen capital allocation, perfect credit rating system, strengthening the supervision and information disclosure, building an overall risk management system, etc., will capital management and risk management, and promote the combine the capital management ability, improve the comprehensive strength of China's banking industry.