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Research in Commercial Bank’s Prompt Corrective Action

Author: ZhouFuXi
Tutor: SunYunLong
School: Southwestern University of Finance and Economics
Course:
Keywords: prompt corrective action regulatory forbearance capital adequacy ratio KMV model
CLC: F832.33
Type: Master's thesis
Year: 2009
Downloads: 12
Quote: 0
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Abstract


With the accelerating process of globalization, as a country’s economic base, the financial inevitably international, national finance more closely together, which largely increased the market risk in this industry. The crisis springs from troubled financial institutions also has a sharp deterioration and the rapid spread,and the global economy may be highly destructed. In 2007 the U.S. sub-prime crisis triggered by the global financial crisis still has fall-out, resulting in a number of. country’s economy to deteriorate. In view of this, effective financial supervision has received more and more attention. Critics argue that the regulatory forbearance leads to delayed actions toward troubled institutions, and causes higher costs when a institution is ultimately resolved.To preclude regulatory forbearance and the supervision of financial institution, the Federal Deposit Insurance Corporation Improvement Act (FDICIA) of 1991 requires the federal insured depository institution to implement a capital-based policy of prompt corrective action (PCA).It is a framework for financial supervision detailed early intervention and corrective action by regulators in dealing with troubled institutions. Based on the regulatory capital position, each bank be placed in one of five zones, undercapitalized banks are subject to increasingly severe corrective sanctions as their capital rations deteriorate. Compare with actions were up to the discretion of supervisors in the past, PCA is reasonably effective. Over the past ten years, many countries and regions have adopted the PCA to strengthen their financial supervision. Also, our country introduce the system actively, and have the relevant legislative requirementsFor this reason, this paper described the PCA, but also tried to learn from experience of other countries to explore the feasibility of China’s introduction of this system, and design to make a little thought about it. In particular, this thesis consists of the following five parts: Part I:Introduction, a brief description about the background, the purpose and significance of the topics.Part II:Explained PCA in detail mainly from the origin, content and objectives.Part III:Introduction and timely correction system in the United States, Japan, Taiwan, the implementation of the European Union, and accordingly make a comparative analysis.Part IV:Introduce the KMV model, to improve launch conditions of PCA, and thus improve the system.Part V:Through the analysis of the problems of China’s banking supervision to explore the feasibility of introducing PCA, and design the framework for it.

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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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