The Current Capital Adequacy Ratio Of Commercial Banks On Management Issues

The capital adequacy ratio is the lifeblood of modern commercial banks to maintain sufficient capital to commercial banks is the survival and development, thus effectively safeguarding financial security of the important conditions. In recent years, with China Banking Regulatory Commission new "capital adequacy ratio management approach" with the promulgation of commercial bank assets, high-speed business development, capital tough constraints on the business development of commercial banks raised serious challenges, how to accelerate the development of capital-constrained model In transition, seeking efficiency, quality and scale of the coordinated development of the individual banks in sustainable development must be considered a major issue. This paper around the capital adequacy ratio as the center and the joint-stock commercial banks on behalf of China Merchants Bank to study model, the capital management issues more in-depth study to explore. The full text of the overall thinking on two aspects: First, commercial banks how to conduct supplementary capital, effectively raising the capital adequacy ratio and the other is how to improve the capital adequacy rate management mechanism, strengthen risk management capabilities. The former is for the results of the problem, for the latter process, the two together constitute the integrity of the bank's capital adequacy ratio management framework.