Research On The Impact And Countermeasures Of Implementing MPA On The Operation And Management Of Bank Of Qingdao

Under the new normal economy,with the steady progress of supply-side structural reform,the People's Bank of China has been upgraded from the dynamic adjustment of differential reserves and the consensual loan management mechanism to the Macro Prudential Assessment(MPA)from 2016,so as to better play the role of counter-cyclical adjustment and prevent from systematic financial risks.After the implementation of MPA management,the impact of the change of assessment indicators and assessment methods on commercial Banks is emerging.Especially,the urban commercial banks among small and medium-sized banks face new challenges on the development concept,business operation and risk management mode.The article selects Qingdao Bank as the research object and takes the eight A-share listed urban commercial banks for reference.Firstly,on the basis of the study of MPA management background,process,content and characteristics,and policy implementation,simulation calculation and evaluation were carried out on the nine banks according to the framework rules of MPA.Then,we made research on the impact of the policy for the banking industry through horizontal longitudinal comparative analysis method.Finally,based on the accurate understanding of MPA management,this paper proposes countermeasures for Qingdao bank.The study suggests that Qingdao Bank owns its unique advantages under the background of implementing MPA,for example,with further strengthen on capital,continuously optimized structure of assets and liabilities as well as the regional business competitive advantage and influence.However,it also faces several problems such as the larger test of asset quality,the higher pressure of profitability and certain pressure of liquidity management.It is suggested to improve the operation and management level of Qingdao bank from the following aspects: first,improve the level of capital management and capital allocation efficiency;Second,continually improve the level of risk management and perfect comprehensive risk management system;Third,innovate the financial market business and improve the ability of profit-making;Fourth,promote the management of assets and liabilities and implement differentiated management.