Study On China’s Capital Supervision Over Commercial Bank In The Post-crisis Era

Finance plays an important role in the economy, and meanwhile, also contains huge potential risks. The financial crisis in2008, of global influence, re-accumulate everyone’s attention to the financial system. The issue of the Basel Capital Agreement in1988, marked a new phase of capital regulation centered bank’s risk management. However, every financial crisis will reveal the drawbacks of the international capital regulation, the U.S. subprime mortgage crisis is no exception, many scholars and regulatory authorities are paying more attention to the research of bank risks and capital regulations under new situations. Thus, it’s obvious to all that efficient regulation to bank capital of the post-crisis era is of crucial importance to the stability of bank industry, to the solidity of financial system, and to the development of the entire national economy.On the basis of compiling and researching the related literature at home and abroad, this paper firstly states the main contents and the consequences of Basel Capital Agreement Ⅰ,Ⅱ, and Ⅲ which plays a vane role in international bank capital supervision standards, and then uses it as a theoretic basis to summarize the results of the localized utilization of Basel Capital Agreement on each phase in China. Secondly, through horizontally and vertically compares Basel Capital Agreement Ⅰ,Ⅱ, and Ⅲ with China’s bank capital supervision rules in different stage of development, this paper analyses the present situation of China’s capital supervision. Thirdly, this paper profoundly analyses the existing issues and the causes of China’s bank capital supervision at present. Finally, on the basis of summarization about theories and realities, analysis about questions and the causes, this paper puts forward effective policy suggestions aimed on enhancing China’s bank capital supervision.This paper argues that, with the deepening of internationalization, marketization of the economy and the financial reform, combined with the unremitting endeavor of the bank Industry and the regulatory authorities of it, the bank capital supervision in China has made some achievements. However, because of the late starting of bank capital regulation, the degree of development of market economy, the institutional constraints and other reasons in China, there is still a great gap between China’s bank and their international big counterparts either from the aspect of capital supplement and risks controlling inside the bank, or from the aspect of purchasing of bank outside capital supervision infrastructure and the operation of technical means. This paper argues that, the further development direction of China’s bank capital supervision lies in consistently pushing on prudential supervision, strengthening innovations, and improving the effectiveness of bank capital supervision according to the bank industry itself and the macro-environment of this business from all aspects, in order to enhance the international competitiveness of China’s bank on the basis of strengthening bank capital regulation.