The New Basel Capital Accord And Its Application In The Research On Risk Management In The City Of Dalian

Under the impact of the financial crisis in the United States, the global financialindustry suffered a strong turbulence. Group of Twenty (G20) to replace the Group of Seven(G7) to become the most important platform for international economic and financialgovernance, the G20Leaders’ Summit clear targets and timetables of international financialregulation, periodic review of the progress of the reform of international financial regulation,and to determine the final plan of international financial reform.Since the middle of2009, based on the lessons of the financial crisis, the BaselCommittee international rules regulating banks were major reforms, issued a series ofinternational banking regulatory standards, collectively referred to as "Basel Ⅲ"(Basel Ⅲ).Basel Ⅲ reflects the organic combination of micro-prudential supervision andmacro-prudential supervision of new thinking, according to both capital regulation andliquidity regulation, synchronization to improve the quantity and quality of capital, capitaladequacy ratio and leverage parallel, long-term effects balanced with short-term effectsgeneral requirements, established a new benchmark for international banking supervision.New Basel Capital Accord on the basis of a series of regulatory principles inherited from the1988Capital Accord, also proposed a number of times of new ideas and new methods,including the core of the minimum capital adequacy ratio was extended to a minimumcapital adequacy ratio, regulatory supervision and inspection authorities and marketconstraints three pillars to support the frame structure, market risk and operational risk areincluded in the calculation of the capital adequacy ratio of the operation which the marketrisk, operational risk and credit risk together constitute the three core regulatory risks, alsomakes banks and regulatory authorities for regulatory measures of bank risk more in linewith market development and business development needs, to better reflect the currentglobal financial industry is undergoing tremendous change and innovation. With the gradualimplementation of the New Basel Capital Accord countries, it must give the internationalbanking supervision revolutionize, its role will become more apparent over time. HolyTreaty of the world’s banking supervision, we need to be comprehensive learning andinterpretation in order to carry out a full analysis of the risks to the banking industry iscurrently facing and to develop effective measures to resolve. Dalian region’s banking sector belongs to the more developed regions in LiaoningProvince, Dalian commercial banks in accordance with the requirements of the New BaselCapital Accord risk management reform to establish a comprehensive and effective riskmanagement system, guard against and defuse banking risk, promote the healthy and rapiddevelopment of local commercial banking industry to improve the competitiveness of thelocal commercial banking industry in Liaoning Province and the Northeast region. On thisbasis, the Dalian banking sector in Dalian, China Banking Regulatory Commission, theAuthority and the People’s Bank of Dalian Central Branch of the plan, according to localconditions of the implementation of the provisions of the Basel, the developments in thebanking industry in Dalian in Liaoning Province, among the best, but because banksproducts and management of the shackles of the way of copying the New Basel CapitalAccord has some limitations, the creative combination of the New Basel Capital Accord andthe reality of the banking sector in Dalian, Dalian Bank used the New Basel Capital Accord,is placed in within-owned commercial banks in front of their own problems.The word "new" to start the new Basel Capital Accord, comprehensive and systematicintroduction to the changes in the new agreement and the1988agreement comparison, andsummed up according to the change of the innovations of the new agreement. Then linked tothe the Dalian region owned commercial banks and the New Basel Capital Accord, startingfrom the current regulatory status of the bank, and then analyze the problems in theregulatory process. Finally, measures and proposals to solve these problems. Comparativeanalysis and analog analysis method, compared the difference of the New Basel CapitalAccord and the1988Capital Accord, analog commercial banks in other countries, of Dalianlocal and foreign commercial banks and other national banking regulatory authorities on theNew Basel Capital Accord the implementation.Do a thorough and easy to understand the interpretation of the author of the New BaselCapital Accord changes, and then by comparing the realities of the Dalian bankingsupervision, summed up how to improve the regulatory measures. This is one of the morefully in the present, for the New Basel Capital Accord and the actual combination of analysis,the innovative. Banking risk management process, the banking industry and regulatoryauthorities should be more to turn their attention to other aspects in addition to the capitaladequacy ratio, such as the control of market risk, operational risk, governance, and for theNew Basel Capital Accord for Dalian the establishment of the regional banking features ofrisk rating models. This is because commercial banks in Dalian with the dividend policy after the Bank of the joint-stock reform, non-performing assets enhanced profitability andproduct diversification statement after the adjustment of the balance-sheet business, capitaladequacy ratio over The low status has been improved basic, continue to over-focus on thecapital adequacy ratio, on the one hand, will result in a waste of regulatory resources, on theother hand, is not conducive to the implementation of a comprehensive risk managementphilosophy. This is the author and innovative ideas. However, the contents of the New BaselCapital Accord is large and complex, this article relates to more content, the presentation andcontent of the individual parts may be a bit simple and profound, which is a littleinadequacies.