The Basel Accords And Chinese Commercial Bank Risk Controlling

The Basel Accords are general designation of series of significant contracts reached by the members of Bank For International Settlement in Basel in Swiss. They are the main manners of international joint supervision on commercial bank. With China entering WTO and finance globalization deepening, China banking will gradually observe the laws of international commercial management.The thesis analyzes the history and logic evolution of the Basel Accords, expatiates the core contents of the accords of all times especially the New Basel Accord. The thesis researches into the status quo and the problems of risk management of Chinese commercial banks from a view of the Basel Accords and raises relevant suggestions for improving risk management of Chinese banking. What the innovations in the thesis are as follows:1. It has done researches on The Basel Accords in a new dynamic way. Through researches on the shifts of the Basel Accords , it has disclosed international banking supervision's logic development and trend that is helpful for Chinese banking to understand the Basel Accords, make full use of the basic rules ,technological methods and best practices for elevating banking risk management , and renew the conceptions, systems and technological methods of banking risk management . It is also beneficial for Chinese banking to accelerate the progress of finance reform , deal with the challenges made by The New Basel Accord , and make full preparation for finance globalization.2. It investigates systemic factor which influences seriously Chinese banking risk management and conducts that it is the scarce of effective corporate governance that hampers elevation of risk management in Chinese banking. Furthermore, using for reference of the guidance on corporate governance for banking, the thesis raised the detailed suggestions on rebuilding Chinese commercial banks' organizations in order to improve the management of Chinese commercial banks' risk.3. It makes suggestions of reinforcing the capability of Chinese banking risk management from both system and mechanism views. And that, based on the true environment which Chinese commercial banks face, it advises that the authentication system for commercial banks' risk management occupation should be set up by Chinese government.