Jiont-stock Commercial Bank Finacing Channel Analysis

Even though China’s commercial banks started late, they develop very rapidly, especially in recent years, but after the year of2010, within the impact of the national economic market environment, in June2013, commercial banks began to show "money shortage" in the past years, which is expected to last several years, and " implementation of advanced methods of capital management supervision provisional rules", as well as the implementation of Basel "commercial bank’s capital management (Trial)", which means China’s banking regulator will gradually shift to capital regulation as the core.This paper studies the background and significance of joint-stock commercial bank financing to start, from the perspective of capital adequacy ratio, pointing out the plight of China’s joint-stock commercial bank financing and to make reasonable suggestions.From the structure of this paper, it starts from studies the background and significance of the topic, first simple review of all the ideas and methods of this study, the research content and framework of the theory; and then study a detailed overview of the analysis from overseas, and a detailed analysis of development and financing status of joint-stock banks, and listing CITIC Bank as an example to discuss the financing of joint-stock commercial banks, finally highlighted the diversity of China’s joint-stock commercial bank financing model suggestions.