A Study On The Optimization Strategy For Economic Capital Management System Of ZX Bank (Guangzhou Branch)

China's banking industry has been developing rapidly and continuously in the wave of China's reform and opening up for 30 years.At present,many banks have ranked in the forefront of global banks,and their achievements are really satisfactory and proud.However,we must also clearly realize that China is still a country with relatively closed financial policies.The past long-term and rapid development of China's banking industry mainly depends on the rapid growth of China's economy and inadequate competition.With the increasing instability of the global economy,trade friction and China's real estate bubble will lead to slower growth of China's economy and slower growth of banks.The past situation of relying on scale growth to drive profits will change.China's banking industry needs to adjust its profit mode immediately.At the same time,China's opening of its financial industry will also introduce international competitors and drive the development of financial derivatives.As the operational risk of banks increases,it is urgent to prepare in advance.Economic capital management is an advanced management concept that harmonizes benefits,scale and risks.Its importance is self-evident that commercial banks should optimize their economic capital management system.Through the research on the classification,function of bank capital,as well as the development history and background of economic capital management,this paper draws the conclusion that China's commercial banks are at the threshold of strategic transformation and the implementation of economic capital management is imminent.At the same time,the author will study the economic capital management system of Guangzhou Branch of ZX bank through literature review and case analysis,analyzing the current system of Guangzhou Branch of ZX bank by using the economic capital management system with RAROC as the core.Finally,based on the economic capital management theory with RAROC as the core and the comprehensive cost management theory,it puts forward the optimization strategy.According to the research,ZX Bank Guangzhou Branch economic capital management system has problems in employees' awareness,structure and management.Finally,this paper puts forward some suggestions to build a comprehensive economic capital management system by strengthening the awareness and ability of economic capital management of all employees,improving the economic capital management system in an all-round way,and strengthening the refined management of the whole process.