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Research on New Regulatory Capital Instruments and Our Profit Model of Commercial Banks

Author: YueYueFei
Tutor: YangYouZhen
School: Shanxi University of Finance
Course: Finance
Keywords: capital instruments Commercial bank Profit model capital Regulation
CLC: F832.33
Type: Master's thesis
Year: 2014
Downloads: 4
Quote: 0
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The financial crisis has exposed the many flaws of the old rules of capitalinstruments,many commercial banks in line with pre-crisis regulatory capitalrequirements under the impact of the troubled crisis.This situation caused the attentionof regulators, after a period of gestation, regulators launched a new regulatory capitalinstruments.Given the importance of capital for commercial banks, the new regulatorycapital instruments is bound to commercial banks had an important impact.The mainpurpose of this paper is to analyze capital instruments through our commercial banks fornew regulations affecting commercial banks to find targeted measures.In order toachieve the purpose of the study, this article will collate and summarize the main capitalinstruments by relevant laws and regulations of the historical evolution and its impactwas countermeasures and commercial banks to commercial banks, and then based onthe contents of the new regulatory capital instruments combine development status ofChina’s commercial banks new regulatory capital instruments will analyze what impactChina’s commercial banks, and then propose appropriate countermeasures.This paperargues that the new regulatory capital instruments primarily affect China’s commercialbanks as fellows:New approaches in order to achieve the requirements of the provisionsof the domestic assets of commercial banks in the business structure to make theappropriate adjustments and improvements, such as some of the assets of a large-scalebut higher capital consumption business models stripped out.Therefore, some domesticcredit growth by the size of the business model will be tested, will effectively suppressthe expansion of the scale of commercial bank credit.And because banks control forhigh-risk business will make the traditional high expansion, light heavy investmentincome and other extensive business model is facing a serious test.Therefore, this paperconsiders China’s commercial banks will face pressure on profit model transformation,and thus this paper suggestions:the large commercial banks should take the integratedoperation of the road; smaller banks should take the regional specialization and businessprofessional.In the strategy, we should vigorously develop intermediary business;should develop a stable growth in fee and commission income related to light capitalbusiness, moderate development of capital-intensive business income volatility;commercial banks shoulddothenecessary personnel integrated operationreserve.

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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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