Research On The Economic Capital Management And How To Apply The Economic Capital Management To The Practice Of Our Commercial Banks In China

The capital management in the modern commercial bank is closely linked to the risk management. It is the capital that incarnates the ability of commercial bank to resist the risk, limits the pace and scale in which commercial bank to expand the business, and finally determines the possibility of commercial bank to survive and thrive in the market. As an advanced capital management method, because of scientifically integrating capital and risk, the economic management, in some degree, has become the core of the management system in the international modern commercial banks, and must inevitably be followed by our commercial banks in China. In this dissertation, we begin with the meaning of the economic capital management method, introduce the skeleton of the economic capital management method, and then analyze the advantage of this management relative to the traditional capital management. We discuss the quantity and quality limits in the economic management in succession. Furthermore, based on the status quo of China's commercial bank industry, the feasible operational suggestion is proposed.There are five chapters in this dissertation. The fist one begins with the practical and theoretical significance of this thesis. Then we introduce the relative research on this subject, and point out the innovation of this paper.The second one introduces and analyzes the meaning, skeleton and the advantages of the economic capital management.The third and fourth put the emphasis on the quantity and quality limits in the economic capital management, and analyze their functional mechanism, which incarnates the management value of this capital management method.In the last chapter, we describe the status quo of capital management of China's commercial bank industry, and then reply the question "how". Being aware of the obstruction to promote the economic capital management in our commercial banks, I propose some feasible suggestions.