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Analysis to explore the road of the development of the city commercial banks based on China's commercial banks' capital

Author: ZhangXian
Tutor: LuDeMing
School: Institute of Fiscal Science
Course: Accounting
Keywords: Basel Capital Accord City commercial banks Core tier one capital Capital adequacy ratio
CLC: F832.33
Type: Master's thesis
Year: 2011
Downloads: 239
Quote: 0
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Abstract


Since the reform and opening up, China's economic growth has accelerated upward trend. Especially in the past decade, with the prosperity of the capital markets, financial reform in an orderly way, the financial sector in the national economy plays an increasingly important role. According to the China Banking Regulatory Commission data show that, as of the end of 2010, China's banking and financial institutions with total assets reached 95.3 trillion yuan, asset quality, capital strength significantly increased, risk control and profitability levels were significantly increased. Has gradually formed the banking system led to large commercial banks, many types of banking financial institutions in an orderly competition and common development, coordination of the national economy with multi-level, multifaceted financial services. China's banking sector in the strategy of prudent operation and scientific layout has withstood the test of the global financial crisis in 2008. Post-crisis, the Basel Committee and the world financial regulators began large-scale amendments to the guidelines and regulations of the existing Ordinance, and officially launched on September 12, 2010 Basel III. China, as a member of the Basel Committee is actively in full swing based on the Basel II regulatory measures. The one hand, the rapid economic development of much-needed scale credit expansion, on the one hand, the China Banking Regulatory Commission (CBRC) stringent regulatory standards defined and \gold. City commercial banks, inherited its predecessor - urban credit cooperatives, small-scale, high cost of capital, poor asset quality, low capital adequacy ratio, a serious shortage of loan loss provisions, equity structure is irrational, internal control is not perfect, missing, such as countries substantial capital injection of four state-owned commercial banks, in the 1990s the policy support of the joint-stock commercial banks, can be described \However, city commercial banks contribution to the local economy and the role of SME financing is undeniable. As the central product of \, Bank of Shanghai, Chongqing Bank, Bank of Nanjing, Bank of Ningbo enough to contend star and joint-stock commercial banks, condensed into the third important force in China's financial industry. With the gradual liberalization of the policy of the state of the city commercial banks spanned operating in recent years, ushered in the the peak rapid expansion of the size of the city commercial, high growth, however, is bound to the rapid consumption of the already fragile capital. Especially the China Securities Regulatory Commission financial industry as The IPO ACCUMULATE ranks again with the China Banking Regulatory Commission (CBRC) increased capital requirements, the door can not be opened to the capital market in the short term with the City firm capital precarious status quo is always touches long stretch of city commercial banks tight nerves. Reinforce the quality of capital, to establish a stable source of capital, especially sustainable core tier one capital 'supplementary channels, a major issue is placed in front of city commercial banks. Established from the first urban cooperative bank has only a short period of 16 years, whether it is to attract investment, market, consolidation and reorganization, yet spanned operating do not see the long-term effects, the current task is to analyze the city commercial banks have done and are do, and strive to explore in a way suitable for the development of city commercial the optimum core Tier supplemental long-term mechanism.

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CLC: > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Financial organizations, banks > Commercial banks ( specialized banks )
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