Research On The Capital Adequacy Ratio Management Of A Rural Credit Cooperative Union In Hebei Province

Capital is the foundation of development of banking financial institutions.The formulation and implementation of prudent and flexible capital management strategies is critical to the long-term development of banks.The capital adequacy ratio reflects the extent to which the bank can bear the loss of its own capital before the assets of the depositor and the creditor are lost.The Basel I in 1988,Basel II in 2004 and Basel III in 2010 all set out detailed requirements for bank capital adequacy management.In June of 2012,China promulgated the "Commercial Bank Capital Management Measures",which is based on our own national conditions to develop the capital management approach.It is the important guiding documents of China's banking supervision,.It put forward higher requirements on the supervision of the capital adequacy ratio.Based on the theory of the evolution of the Basel agreement and our country commercial bank capital management measures,through the study of A rural credit union's capital adequacy ratio management present situation from 2014 to the first half of 2016,it is clear that A rural credit union shows adequacy rate management problems,such as low capital adequacy ratio,no capital adequacy ratio of the long-term planning,no special capital management positions and professionals,no capital adequacy ratio management system.Through the study we found that there are many reasons led to A rural credit union capital adequacy ratio management problems,such as lack of the capital for a long time,the unreasonable risk-weighted asset structure,late starting of capital adequacy ratio management,the manager's less attention to long-term planning,lack of job analysis,lack of professional training,lack of a comprehensive risk management information system.Based on the reasons,the paper puts forward a series of suggestions from the increase in capital,optimizing the risk-weighted assets,making capital adequacy long-term planning,setting up special post training talents,establishing the association capital adequacy ratio management system and comprehensive risk management system.A rural credit union should optimize capital adequacy ratio management through these measures,so as to enhance its ability to resist risk,improve their strength,and to lay a solid foundation for the next step in the restructuring into A rural commercial bank.