The Study On Economic Capital Management Of Commercial Bank

Since the 1990s, the establishment of the "supremacy of capital" on the basis of capital constraints thinking of the value of the new International Banking coordinate, and promote the value and risk management theory and tools revolutionary progress has been made. Risk and value management in the practice of the use of economic capital system more widely, and establish and improve the economic capital at the core of the risks and benefits of restraint mechanism has become the mainstream of the world bank's common choice. Economic capital management is the management of commercial banks the latest theory in the way of the future value of the banking sector risks and the management of the core.By traditional management thinking of the impact and the blind pursuit of the speed of development, go all out to expand their business scale and capture market share at all costs, in the past China's banking industry are quite common. This traditional business-driven banks operating result is the accumulation of capital assets failed to keep pace with rapid growth, capital adequacy ratio serious, lack of capital supporting the business risk of rapid expansion of the non-performing assets remains high, seriously undermine the ability of the banking sector sustainable development. Economic capital system and the introduction of better implementation of the "capital asset size determine the amount of the size of a capital asset values of the combination of decision" capital constraints concept to the economic regulation of capital assets of business scale and the speed of development, Optimization of assets and income structure of their business, the development of a solid capital base. At the same time, through better allocation of capital in the economy to maximize the value of the implementation of the requirements and responsibilities to different levels (branches, products, departments, customers and employees) is conducive to China's commercial banks to establish and improve the operational efficiency and risk control as the main constraint objectives of the development mechanism, to the extensive operating, the rapid expansion of the traditional business-driven sound and intensive, high-quality value-driven change.In this paper current domestic commercial banks in the economic capital management system construction is at an early stage, involved in the field of theoretical and applied research in the state less through the theory and practice of the method, from the economic capital of the theoretical foundation, the connotation of management, metrology in the allocation of resources and methods of application, systematically discussed the economic capital management theory and methods. Based on the analysis of case studies, and further clarified the economic capital measurement and control of risk in the application of methods and the role that the current domestic commercial banks in the economic capital management of the existing problems, and put forward practical proposals.