Chinese Commercial Banks. Under The Basel Ii Capital Adequacy Ratio Study

Globally, economic and financial environment change drastically change rapidly the bank's business environment, increase the bank's business risks, and historical experience tells us that any a financial crisis occurs is to promote the reform of system of financial regulation in the competition, catalyst is the fierce international operation environment, financial innovation constantly emerging, the denotation and connotation of the risk management continues to expand, "the Basel agreementⅠ" has been adhering to the capital adequacy ratio management concept of challenge."The Basel agreementⅡ" of the core problem is all the commercial bank of how to implement regulatory capital adequacy ratio, puts forward the capital adequacy ratio should be strict regulation to deal with potential risk is necessary. In making business bank capital regulation in the process of policy, China's banking supervision department should from the current phase of economic development and economic entity, focus on the needs of social resources in the reasonable effective configuration and, according to local conditions, the determination of reasonable capital regulatory standards. Facing 2007 years in the U.S. subprime mortgage crisis led to the outbreak of the global financial crisis, the Basel committee, as a representative of the international financial regulatory organizations and countries around the regulatory authorities of the current regulations, guidance and rules to revise and arrange, these remedial measures on the one hand for through the current financial crisis caused by the difficulties, on the other hand is to construct the long-term stability of the financial system, the maximum avoid such financial crisis to happen again."The Basel agreementⅢ" of the formal introduction, make our country banking regulatory commission in the context of overall monitoring and frame gradually clear, our country commercial bank according to the demands for higher capital ratios, strengthen capital regulation. China banking regulatory commission (CBRC) launched timely the four big regulatory tools, including capital requirements, leverage ratio, dial rate and liquidity requirements for four aspects for timely capital adequacy regulatory measures to follow up, constitute the during a period in our country commercial bank supervision, this new framework is known in the industry as "China's version of" the Basel agreementⅢ". From now to see, the level of China's banking supervision department of the bank capital regulation request has been very strict, regulators should be to implement the new capital accord, as an opportunity to maintain a reasonable in the capital adequacy levels, under the condition of the banking industry guide through various channels ascension quality, make capital more tend to rationalize. CapitalThe paper quotes from a vast amount of data and material, through the theoretical study, methods of comparative analysis, is divided into four sections on the article elaborates the:The first chapter introductory remarks. This chapter first introduced the Basel capital regulation to study the meaning and importance, then introduces the present situation of the domestic and foreign relevant research, it introduces the main research contents of this paper and research methods.The second chapter Basel agreement on commercial bank capital adequacy ratio of the evolution of the regulatory framework. Because this paper the Basel agreement about capital regulation from the point of view of agreement with the global economy research financial environment change on capital adequacy requirements of the improvement and perfect, therefore, this chapter research Basel capital regulatory framework of the preliminary form, improve and perfect, and put forward the new framework.The third chapter Basel agreement under the background of commercial Banks in China and its regulatory capital adequacy ratio development present situation. The first chapter of commercial bank capital regulation core indicators, capital ratios are simply described, then the formulae of commercial Banks in China and its regulatory capital adequacy ratio on the current situation and existing problems, the paper expounds the Basel agreement about capital adequacy ratio according to the regulatory requirements, and in combination with the reality of the economic and financial situation analysis our country commercial bank capital adequacy ratio of deficiencies improvement.The fourth chapter under the framework of "the Basel agreementⅢ" our country commercial bank regulatory capital adequacy ratio of new ideas. This chapter analyzes the Basel agreement according to theⅢ"proposed banking regulatory capital adequacy ratio of the new framework.The fifth chapter summary. The Basel agreement from the evolution process of can see, banking supervision is the core ideas through capital adequacy ratio of restricted control leverage, require Banks to increase transparency and disclosure standards, and bring the market and stakeholder supervisory effect. The financial crisis proved that the capital adequacy ratio of strict supervision should be, to dealing with the potential risk is necessary.