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Risk Study on Management of State-owned Commercial Banks under New Basel Capital Accord

Author: HanMeng
Tutor: WangJiaChuan
School: Shandong Agricultural University
Course: Accounting
Keywords: State-owned commercial banks New Basel Capital Accord Risk Management
CLC: F832.2
Type: Master's thesis
Year: 2008
Downloads: 966
Quote: 2
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Abstract


The banking industry is a special industry, its uniqueness lies in the commercial bank is a financial enterprise operating currency, deposits and other borrowings for working capital, lower capital accounted Such characteristics determine the banking industry a high-risk industry. Bank risk is that the market economy countries facing an urgent need to address an important issue, it will not only threaten the stability of a country's economic development and economic order, and rapid development and integration in the global economy today, but also a direct impact on the international economy development and the stability of the international politics. China's market economic system has been initially established, traditional planned economic system has been broken, but the market economy is not complete, has a specific period of economic transition instability. Commercial banks operating in a market economy, the operating environment or the operating mechanism is quite different from the era of economic planning, specialized banks. The new business environment, the pursuit of profit maximization business goals to commercial banks a grave problem - can not avoid the bank's risk management. Commercial bank risk management is the core of the commercial bank management, risk management, quality is directly related to the survival of the commercial banks. The state-owned commercial banks but to take advanced risk management theory and methods, to improve the level of overall risk management, in order to achieve a truly international in the accession to the WTO. The principles of the three pillars of the introduction of the New Basel Capital Accord on June 26, 2004 the minimum capital requirements of the bank risk regulation, external regulation, and market constraints, the whole idea of ??the bank's risk management, the method to do the new summary specification. Issued by the New Basel Capital Accord marks the bank's risk management into a comprehensive risk management era. China's commercial banks are required to keep up with the trends of international risk management, in strict accordance with the contents of the framework of the new agreement, to grasp the advanced technologies and concepts of the bank's risk management, improve the management level of China's commercial banks to improve their risk prevention mechanisms, in order to adapt to the increasingly fierce competitive needs. The starting point of this study is the reference to the New Basel Capital Accord, comprehensive risk management system to build China's state-owned commercial banks, to strengthen banks' risk management. Paper consists of six parts, the first chapter outlines the purpose and significance of the topic of the thesis, the main content of the thesis and make the basis of the review of the research status of topics. The second chapter describes the new Basel Capital Accord improvements compared to the old agreement, specifically addressed the three pillars of the New Basel Capital Accord, as well as risk management requirements, and provides a theoretical basis for the writing of this article. Chapter systematic analysis of the new agreement, the minimum capital requirements and market constraints on risk management of commercial banks in China, find out the inadequacies of the existing risk management of commercial banks in China, while the use of empirical research methods lack of state-owned commercial bank capital reasons. Chapter combination of risk measurement framework model from the state-owned commercial banks, the bank's risk capital management system, three aspects of the bank's risk management effective mechanism detailed description of how to build a comprehensive risk management system of state-owned commercial banks. Chapter Five suggestions for how to strengthen risk management of commercial banks, state-owned commercial banks is how to establish a comprehensive risk management system to protect. Chapter VI is the concluding part of the paper, also pointed out that the papers exist limitations and future direction.

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