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Basel Accord and Capital Adequacy Ratio Management of Commercial Bank in China

Author: LiuZuo
Tutor: ZhengMing
School: Xiamen University
Course: Finance
Keywords: Basel Accord Commercial Bank Capital Adequacy Ratio
CLC: F832.2
Type: Master's thesis
Year: 2005
Downloads: 861
Quote: 2
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Abstract


Capital adequacy ratio indicates the requisite capital quantity possessed by the bank according to the capital scale under the requirement of the supervisory authority, namely the rate of the bank capital and the weighting risk assets, which comprehensively reflects the level of the management and is the major international criterion of measuring the capability of the risk-bearing of the bank. The Basel Accord of 1988 indicated that capital adequacy ratio of the banks that were engaged in international business must achieve 8%. After ten several years, the Basel Committee carried on a series of revision to the accord, also known as the“New Basel Accord”of 2004. The new agreement also marked the minimum capital requirement as the first pillar in the new frame, and emphasized the combination of capital calculation, supervision and market discipline.At present ,China has implemented“The Capital Adequacy Rate Management Method of Commercial Bank”to strengthen the supervision of capital adequacy ratio of commercial bank,and the new computational method will lead capital adequacy ratio of commercial banks decreasing.After joining WTO, and as the foreign–funded banks obtain the equivalent national treatments, the domestic banks must carry on the fair competition following the identical rules. Presently,the capital adequacy ratio of commercial bank in china is comparatively low, and the capital structure is inconsequent,affecting the competitive power and the development prospect of commercial bank in domestic and oversea market. To solve this problem, we must supply the capital through many kinds of channels and methods as soon as possible in order to enhance the capital adequacy ratio.In this paper, a number of methods are implemented to analyze the Basel Accord and the capital adequacy ratio management of commercial bank in china. The general outline of the research (in this paper) as follows: First introducing the legislations that are related to capital adequacy ratio, including the contact of“Basel Accord”and the“New Basel Accord”; Then discussing the practice of capital adequacy ratio

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CLC: > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Banking system and business
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