The Economic Capital Budget Management And Capital Structure Optimization In Commercial Bank

Along with the economic globalization and financial integration, the management environment of commercial bank changed enormously. How to strengthen the commercial bank's ability to resist risk and promote its management level have already become very urgent problem.As the bank risk buffer, the bank capital is concerned extensively. At the same time, it becomes the target that promoting the commercial bank's value by valid capital management. But unify capital standard is not necessarily to be the superior capital because of different characteristic and market environment. So the bank concentrates on researching what is the superior capital structure for oneself. Economic capital budget management is the most advanced risk management system in Bank industry nowadays. Its theories foundation is the existence of the superior capital structure. It not only emphasizes allocation, but also pays attention to raise capital resources management efficiency.Along with the authorities think much of commercial bank risk management, the rate of capital abundance level becomes the important index that mature the growth ability of the commercial bank management scale and the risk resists ability. This text analysis the relation between the economic capital budget management and capital structure optimization, then point out that it is very urgency to carry out the economic capital budget management in Chinese commercial bank. This paper also gave different suggestions for different commercial banks. At last, point out the problems which the commercial bank should notice in the process of carrying out the economic capital budget management.