China's Commercial Banks, Economic Capital Management Study

The capital management in the modern commercial bank is closely linked to the risk management. It is the capital that incarnates the ability of commercial bank to resist the risk, limits the pace and scale in which commercial bank to expand the business, and finally determines the possibility of commercial bank to survive and thrive in the market. As an advanced capital management method, because of scientifically integrating capital and risk, the economic management, in some degree, has become the core of the management system in the international modern commercial banks, and must inevitably be followed by our commercial banks in China.From the structure this thesis about economic capital management can be divided into five chapters:Chapter one is exordium. It mainly introduces this thesis' research background and meaning, the relative research on this subject, the train of thought and then points out research methods.Chapter two is introducing the theory of commercial bank economic capital .This chapter is the theoretical basis on the full text. It mainly introduces economic capital and the relative theories, and also points out the role in the commercial bank management.Chapter three is reviewing the capital economic management system of commercial banks in the western nations. It mainly introduces economic capital management system of commercial banks in the western nations. The system includes: economic capital calculation, collocation and performance measurement regulations centering on the risk adjusted return on capital (RAROC) and economic value added (EVA) . Chapter four is pointing out the problems in the economic capital management system of commercial banks in China. At first, it displays the practice in China, and then in-depth analyzes the problems in the system.Chapter five is giving the suggestions of improving our economic capital management. On the basis of learning from western commercial bank economic capital management regulations, this chapter puts forward the suggestions according to the problems in chapter three.