| The capital management of commercial bank, which includes capital adequacy and capital allocation, is an important part of commercial bank management. The efficient capital management not only ensures the bank's normal operation, strengthens the people's confidence; but also increases the bank's profit, and maximizes the shareholder's value. Consider the capital has special meaning to the bank; The Basel Committee issued International Convergence of Capital Measurement and Capital Standards in 1988, which established a global capital measure standards. The concordat integrated the quality of capital with the risk of asset, so it has deeply influenced the capital management of commercial bank. In Jun 2004, Basel II, as the newest international capital supervision rule was issued. On one hand, it reviewed and developed the original capital accord, and was more adaptable for the change of international finance market; on the other... |
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