The Basel Agreement Of Ⅲ And Its Impact On Our Banking Industry

" Basel Accord II " since its2006official implementation in the global banking credit risk prevention field played a key role, however, due to the outbreak of financial crisis, the three pillars (the capital adequacy, supervision and market discipline) which does not play an effective role in the banking supervision system, led many banks to be with troubles internally and externally. The United States sub-loan crisis exposed financial regulation of malpractice, causing people to global regulatory in-depth reflection, such as how to strengthen the macro prudential regulation strategy, effectively deal with bank system risk and regulatory arbitrage; how to introduce new liquidity rules, further easing of bank liquidity pressure; how to curb capital regulation CIS periodically, the effective containment crisis and further weakening. In the context of the financial crisis, the Basel Committee at the end of2009formally introduced a " Basel III" agreement, the execution time is in2013January to2019January, it creatively proposed counter-cyclical capital buffer frame and system of bank capital requirements and importance of macro-prudential supervision concept, make up the Basel Accord II on bank pro-cyclicality risk and systematic risk of lack of supervision." The Basel agreement " for the implementation of our banking capital regulation brought a lot of theoretical and practical significance on the capital adequacy ratio, minimum requirements for higher, strengthening the banks to deal with the pro-cyclicality effect macro-prudential target, and puts forward the banks to deal with short-and long-term liquidity risk index. In order to improve the ability to resist the impact of banking industry, and comprehensively improve bank risk management level, expand the capital risk coverage range, the new protocol introduced leverage regulation index, liquidity index, putting forward regulation during the stress period can use capital conservation buffer, to further expand the coverage of the capital. In the " Basel agreement " on the basis of the China Banking Regulatory Commission, combined the national conditions of our country, promulgated the " Chinese version of the Basel Protocol Ⅲ ", namely " implementation of the new China Banking Regulatory Index guidance ", established the Chinese banking sector to implement the new regulatory standards policy framework, according to the analysis, a new regulatory standards for China the development of banking industry will produce far-reaching effect, the new capital adequacy ratio requirements of China banking industry will face in the long-term capital supplement pressure, flow of regulatory standards forcing the banking business transformation, and provision for coverage and leverage standard will inhibit the growth of commercial banks for credit expansion. This article focusing on the Chinese version of " BASEL III" were analyzed and summarized, and the combination of China’s commercial bank supervision indexes were analyzed, the system discusses its impact on our banking industry and the enlightenment.This thesis is mainly divided into five parts. The first part is the introduction, introducing the research background and the significance, domestic and foreign research literature review, research method and innovation. The second part of the thesis from the Basel Ⅰ, Ⅱ protocol review, the Basel protocol development process, and thus the introduction in the financial crisis situation outbreak in the Basel agreement III new change, system overview of the Basel protocol development background and improving the process. The third part of the thesis, through the’ Chinese version of the Basel protocol Ⅲ " and " Ⅲ " agreement of Basel capital supervision system comparison, comparing " BASELIII Chinese edition of " the new capital agreement of framework, content and innovative points, including the levels of capital restructuring, additionally provided with not less than2.5%of the bank’s risk assets " capital protection buffer fund ", put forward0-2.5%counter-cyclical capital buffer, the system importance of bank on the1%additional capital requirements for banks, leverage ratio shall not be less than3%, and the introduction of " liquidity coverage rate, net stable funding ratio " the two regulation of the flow resistance of new index. The fourth part of the thesis mainly analyses the new " Basel Ⅲ agreement on China’s commercial bank capital regulation effects, mainly through our country commercial bank capital adequacy ratio, provision coverage ratio, debt ratio, liquidity ratio, loan-to-deposit ratio, lever ratio and other indicators in the classification and comparison, analysis of China’s bank industry and the present situation and problems. Papers in the fifth part of the " Basel agreement " under Ⅲ, main to our country commercial bank development strategy of comparative analysis, analysis of Basel Ⅲ agreement on China’s banking industry, and puts forward some countermeasures and suggestions, mainly including sound commercial bank risk management organization system, establishing long-effect multi-channel capital complementary mechanism, establishing countercyclical capital regulatory framework, speeding up the pace of transformation of banking industry, cultivating risk management culture, strengthening financial supervision.