Research On Basel â…¡ And Supervision Over Capital Adequacy Ratio Of China Commercial Banks

Along with the continuous development of China's economy and further deepened reform and opening up,the strength of China commercial banks continues to be enhanced.Facing the changes in patterns of market competition,changes in the structure of talent,China commercial banks also recognize the importance of risk management and focus on setting up risk management system.However,China commercial banks only experience 10 to 20 years market-oriented operation. Compared to foreign banks,risk management concept is still new to them.There are still lots of uncertain factors.Hence,misunderstanding and shortcomings still exist among China commercial banks in the process of building up risk management system under Baselâ…¡framework.Although Baselâ…¡aims at a comprehensive and more risk-sensitive capital supervision system,it does not provide specific implementation plans.Therefore,how to implement and how to further improve Baselâ…¡will become the hot topic for regulators globally in the current and future years.At present,research on Baselâ…¡in China is still at its initial stage which mainly focuses on the introduction and explanation on Baselâ…¡.Therefore,to have a thorough research on the impact of Baselâ…¡on the China commercial banks' capital adequacy ratio is of great significance.In this paper,the writer firstly gives preliminary assessment based on the introduction of Baselâ…¡,then summarizes the current stage of the supervision over capital adequacy ratio of China commercial banks,and finally put forward proposals with a view to implementation and application of Baselâ…¡.The chapters are as following:Chapter 1:Introduction,mainly about the research background,the meaning, summarize on literature,the method,the framework,the innovation and defects.Chapter 2:Baselâ…¡outlines,background,overall framework and comments of Baselâ…¡.The impact of Baselâ…¡on capital adequacy ratio of China commercial banks.Chapter 3:How to improve China commercial banks' capital adequacy ratio management under Baselâ…¡;explain what is the bank's capital adequacy ratio,how to carry out the relevant calculation of capital adequacy ratio and the international comparison,the analysis of the current China commercial banks' capital adequacy ratio status.Analysis on supervision over capital adequacy ratio of China commercial banks. According to the above mentioned analysis,a number of recommendations have been raised to improve the management of China commercial banks' capital adequacy ratio under Baselâ…¡.