| With the aggravation of economic downturn in recent years,the development of financial disintermediation and the accelerated application of interest marketization,leading the commercial banks’ competition has become increasingly fierce.One of the important manifestations is that the development speed of all kinds of business slows down,the pressure and risk of bank operation become bigger,and the quality of bank credit assets decreases.Under the very fresh economic circumstances,for banks to improve the operation speed,to strengthen the economic capital management,transformation of the mode of business promotion,strengthen the market dominance and competitiveness of commercial Banks,establish overall risk management system,strengthen the economic capital management level and increase of economic return on capital and eventually achieve the balance of benefit and risk,Bid farewell to the vicious circle of relying on expansion to achieve performance growth under the old development model.This paper takes T Branch of Bank J as the research target,takes the concept of economic capital as the core and starting point,and expounds the connection and difference between other capital and economic capital.Then analyze the current situation of T Branch of Bank J from the direction and Angle of allocation,measurement and assessment of economic capital,focusing on the existing process and use method.On account of the judgment of the current circumstances,a series of problems concerning T Branch of Bank J need to be perfected and promoted,like the digitalization of economic capital measurement is relatively backward,the assessment system of economic capital needs to be improved,and the management level of economic capital management is not high,etc.The end of paper,practical suggestions are putting forward for some feasible suggestions of the above issues,which are studied one by one from the level of continuously improving measurement level,perfecting performance assessment system and strengthening economic capital management.This paper will improve the economic capital management system of T Branch of Bank J,strengthen the guiding role of asset manipulation and business development from the perspective of economic capital management,so as to achieve the balance between security,comprehensive profitability and liquidity,and ultimately improve the efficiency of capital operation and achieve the goal of maximizing capital income. |
