Research On The Application Of Economic Capital Management Of Guangxi Branch Of Bank Of YC

Commercial banks to show a new normal management,assets from the high-speed expansion to normal growth,debt growth down,structural changes significantly,relying on the spread of the traditional profit model bottlenecks,bank assets,quality of non-performing loans increased,the risk increased,these are Indicating that the commercial banks under the new economic management under normal face new challenges.In this case,regulatory requirements are increasingly stringent,Basel Ⅲ set a new benchmark for global banking regulation after the financial crisis.As an important outcome of the global financial reform after the financial crisis,Basel Ⅲ focuses on strengthening the organic integration of micro and macro prudential regulation;increasing the demand for capital quality and transparency;expanding risk coverage;establishing global liquidity standards.The strengthening of macro-prudential supervision is mainly reflected in the two aspects of counter-cyclical supervision and global system of important banking regulatory requirements.And China’s new capital management approach to more stringent regulatory requirements,that is,the core level of capital adequacy ratio and leverage are higher than the Basel Committee requirements.How to build economic capital management,seeking to restrain the market competitiveness and sustainable development under the constraints of economic capital has become the focus of various banks and research topics.In the face of complex business development situation and strict regulatory requirements,YC Bank Guangxi branch needs to achieve transformation and development,from the extensive expansion of the scale to the refinement of capital conservation,the need to face the status of economic capital management and existing problems,properly handle Good development and economic capital management,improve risk management and capital conservation awareness,combined with their own actual situation,and steadily promote economic capital management,enhance the ability of sustainable development,enhance the level of return on value.Based on the present situation of economic capital management in YC Bank Guangxi Branch,this paper analyzes the problems in the process of implementing economic capital management,and puts forward the countermeasures to improve the management level of economic capital of YC Bank Guangxi branch in the light of the actual situation and technical conditions.