Research On The Relationship Between Capital Supervision And Business Operation Of China's Commercial Banks

During the global financial crisis in 2008 triggered by the US subprime mortgage crisis,a number of financial institutions that have reached the international standards of financial supervision,which are represented by Lehman brothers,have been closed down,exposing that the international social financial supervision benchmark "Basel II" has serious flaws in the prevention of financial risks and fails to achieve the purpose of effective prevention of financial risks.In this context,the international financial industry regulators Basel Committee on Banking Supervision promoted reform on the "Basel II" financial regulatory agreement,formally released the results of the reform that is "Basel III" in December 2010,the ultimate goal of this reform is to make financial regulatory mechanisms play a positive role in enhancing financial institutions' ability to withstand risks and prevent systemic financial risks.On the basis of the excellent achievements of the reform of the international financial supervision system,China Banking Regulatory Commission(CBRC)has introduced the "Basel III",which includes the capital requirements,provision rate,liquidity and leverage.Capital supervision,as the core of financial supervision,has been further strengthened in this reform,which has been reflected in the increase of core capital adequacy ratio capital regulation,but also 2.5% reserve capital requirement and 1% system importance additional capital requirements for banks.After the implementation of the new regulatory standards,the capital regulation requirement of China's systemically commercial banks is 11.5%,and the capital regulation requirement of non-systemically important commercial banks is 10.5%.With the gradual implementation of the new financial regulatory standards in China,which is bound to has a significant impact on China's traditional highly dependent on credit expansion business.This paper firstly summarizes the relevant research literatures of domestic and foreign scholars from the three aspects of the impact of capital regulation on the performance of commercial banks,the impact of capital regulation on commercial banks' risk exposures and the impact of capital regulation on credit behavior of commercial banks,and then describes the institutional change of international financial supervision mechanism and the mechanism of financial supervision in China,and the capital supplementary way adopted by China's commercial banks,finally,we select 14 commercial banks in China to study the influence of capital regulation on the business of commercial banks in China.It is found that the supervision of capital can help to promote the adjustment of the business of our commercial banks,improve the proportion of the intermediary business in the commercial business of the commercial banks,change the management mode of the traditional highly dependent credit spreads,and the results show that the development of commercial banks' intermediary business To the extent can alleviate the pressure of capital supervision of commercial banks,at the end of this paper,some relevant suggestions of commercial banks in the background of capital supervision are given.