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Channels of Capital Supplementation of Urban Commercial Banks and Their Optimal Selection

Author: XuPing
Tutor: CaoTingQiu
School: Shandong University
Course: Industrial Engineering
Keywords: Urban commercial banks capital supplementation channel optimal selection
CLC: F832.33
Type: Master's thesis
Year: 2011
Downloads: 63
Quote: 0
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Abstract


Commercial banks, as special enterprise, operate credit and currency, and own very high debt ratio comparing to normal enterprises. At the same time, commercial banks are at core hub position of national economy, communicate to and fro circulation of social capitals, and make direct connection with interest of the people in the whole society. Capitalâ‘ plays core function in operation and management of commercial banks, enough capital is the basis for commercial banks to make financial business, and is the guarantee for preventing bank risk and maintaining stable finance; having enough capital is the precondition for commercial banks to realize existence and development, and is also the guarantee for sustainable and sound development of national economy.Urban commercial banks are important bank of bank industry in our country. With continuously deepening of reform and development of financial industry in our country, as "the third level" of banks in our country, social status of urban commercial banks increases quickly, and their sound development potential is equal to some national share system commercial banks, urban commercial banks such as Ningbo, Nanjing and Beijing are public listed, and this shows comprehensive strength of urban commercial banks in our country is further strengthened, so capital adequacy of urban commercial banks influences existence, development and operation situations of grassroots banks to a large degree. Capital adequacy ratio of urban commercial banks is very low at the beginning of their establishment due to various factors such as historic cause, insufficient risk control and management and irrational asset structure. Average capital adequacy ratio of 113 urban commercial banks in the whole country was only 1.36% in 2004. Therefore, supplementing capital and increasing capital adequacy ratio are more concerned all the time during development of urban commercial banks. Therefore, researching commercial banks, especially capital supplementation issue of urban commercial banks, has very strong theoretic and realistic significance.Current research:Firstly it enhances necessity and importance of capital supplementation issue of urban commercial bank; secondly analyzes various possible capital supplementation channels; thirdly it analyzes relevant cases. Main conclusions of the research:First conclusion is necessity of capital supplementation of urban commercial banks. Increasingly strict requirement of supervision, requirement on business expansion, need of improving shareholder structure and increasing management level and demand for participating in foreign and domestic competition are main causes of capital supplementation of urban commercial banks, wherein quick expansion is the most important cause. Second conclusion is capital supplementation channels. At present, capital supplementation channels that can be used by urban commercial banks mainly include various channels such as accumulating profit, increasing capital and expanding share, issuing secondary bond, financing by public listing, adding share issuing and share dividend, introducing strategic investor and issuing transferrable company bond, these channels require different conditions, but they basically require examination and approval. Third conclusion is to research cases of capital supplementation of urban commercial banks in references. Although current research analyzes capital supplementation issue of urban commercial banks from multiple aspects, it has deficiencies. First deficiency is without summary and theoretic analysis on capital supplementation rules of urban commercial banks; second deficiency is without strategy use framework of capital supplementation, especially insufficient stress on core channel- profit supplementation.The paper uses the method of case analysis and comparison analysis, uses qualitative analysis and quantitative analysis together, compares and analyzes various capital supplementation channels and their restriction conditions, analyzes typical capital supplementation cases of Nanjing Bank and Ningbo Bank, makes specific planning on capital supplementation of certain urban commercial bank, studies capital supplementation experience of urban commercial banks, summarizes capital supplementation rules of urban commercial banks, determines main restrictions of capital supplementation of urban commercial banks, and further defines core channels of capital supplementation.

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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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