The Research Of Captital Adequacy Requirement And Assets Combination Management Of Commercial Bank

The paper is departed for four chapters. The first chapter introduces the background and structure of the paper, the definition of banking assets and capital adequacy requirement. Then and history development is discussed. The second chapter first gives a brief introduction of the coming into force and main contents of the new Basel Accord, then presents the micro-influences and macro-influences of bank capital adequacy requirement, analyses the current capital adequacy situation of commercial banks in our country, gives out the primary problems and summarizes reasons. The third chapter analyzes the risk weight system based on the external agency's credit ratings for the borrowers should be seen as an interim measure to be taken as an improvement over the current regulatory capital framework before banks and bank regulators are not yet ready to put an internal ratings-based system into operation. The forth chapter presents the countermeasures for the domestic commercial banks. For example, e.g., develop and improve the internal rating system, hasten to purchase and study the internal risk measurement model, optimize the capital allocation, etc.