Chinese Commercial Banks’ Capital Structure Analysis Of Post-crisis Era

Experienced after the U.S. subprime crisis, China’s economic development mademore stringent requirements, in late2008, in response to the subprime crisis on China ’seconomy, China has adopted a series of measures, from prudent fiscal policy turnedproactive fiscal policy and tight monetary policy from a moderately loose steeringmonetary policy in order to stimulate economic recovery, our government has taken aneconomic stimulus plan, the government continuously introduced a4trillion investmentplan. In the second year after the economic crisis, in2010the scale of China’scommercial banks credit excessive increase, China is seeing " the amount of days "lending, a phenomenon that makes the CBRC supervision of the banking sectorproposed stringent regulatory requirements, according to the third edition Basel IIguidance and specific situation of China’s commercial banks have issued a series ofpolicies and regulations, and gradually make our regulatory standards in line with theworld’s regulatory standards for capital adequacy, made under normal conditions, thenon-system the importance of capital adequacy ratio of banks and systemically importantbanks not less than10.5%and11.5%, on the basis of this standard, but also have madea long-term development goals of China’s commercial banks’ capital adequacy ratio.With the gradual expansion of the credit scale of China’s commercial banks, capitalreplenishment mechanism of China’s commercial banks has also been carried out mainlythrough capital replenishment convertible bonds, private placement, rights issue, hybridbonds, this capital replenishment methods, not only shows that our commercial banks notonly need to gradually improve China’s commercial banks capital planning, and China’scommercial banks have to continuously improve their own capital management, ourregulators have to continuously upgrade their regulatory awareness. This article we try tostructure factors from the perspective of capital to analyze how to improve the capitalstructure of the status quo of China’s commercial banks, how the Government tostrengthen capital constraints, how commercial banks to enhance their level ofsupervision. Article gradually Factors Affecting Commercial banks’ capital structurethrough a number of commercial banks in the data, draw influence the size and growthof the commercial banks, the profitability of commercial banks, interest rates and inflation rates of commercial banks and other capital structure. Draw on the importanceof rationality commercial banks and the bank’s own governance structure of commercialbanks own capital structure. For the banks, financing decisions and business decisionsare closely related, its capital structure decision-making process can not be put asidebusiness strategy, and research industry must consider the particularity of this article isthe capital of commercial banks decision provides some basis.