A Study On The Impact Of "New Capital Management Measures" On The Operating Model Of China 's Joint - Stock Commercial Banks

In 2009, China became a member of the Basel Committee. Along with the development of China’s economic and finance, China Banking Regulatory Commission launched the Measures of the Capital Regulatory of Commercial Bank in June 2012,which is also called "Chinese version of the Basel Ⅲ". This is the first time that China followed the latest Basel Ⅱ requirements, introduced for regulatory measures for China’s capital, which is very important to operations and risk management of bank in China. This paper aims to studying the capital regulatory of Basel and China and exploring the impact of the latest regulatory measures to the management of Joint-equity commercial bank, finally propose some advice to it.This paper consists of five parts. The first part describes the background and significance of the research, ideas and methods of the research, innovation and deficiencies of the paper. The second part is the theory of commercial bank’s capital management. Firstly, it introduces the concepts of capital in commercial banks, then discuss from the evolution of Basel capital regulation to China’s continuous efforts with the international capital standards. Finally, discussing about the framework and content of Measures of the Capital Regulatory of Commercial Bank (Trial),which is based on the three pillars. The third part of the paper studies the impact of new measures of capital regulatory on the management model of China’s joint-stock commercial bank.This part discusses from the income structure and credit structure. The fourth part of the paper is some advices to joint-stock commercial banks. From the perspective of changing profit model, banks should vigorously develop intermediary business, enhance the proportion of non-interest income; constantly promote the innovation of intermediate business and speed up the combination of Internet and traditional banking business. From the perspective of changing in the model of credit business, banks should optimize the structure of credit products, enhance management of personal credit risk, improve concentration of customer, promote the syndicated loan actively, optimize the term structure of credit, strengthen the management of liquidity risk, and finally, pay attention to the construction of talents.