| This article takes the phenomenon that capital adequacy requirement is attached importance more and more among our banks as a background.Under the domestic and foreign scholars's doubts about the validness,I propose how chinese commercial banks adjust their capital and risk along with the adjustment of the risk-based capital standard ,then make the reply through the theory and the real diagnosis analysis.In the theoretical analysis part, this article summarizes the importance of the capital sufficiency in the bank, the development of the capital sufficiency requirement and the influence to the bank value that the capital and risk have. My analyzed emphasis is the different capital and risk theoretical restricted relations in the three different stages of the capital sufficiency supervising and managing development course.The real diagnosis analysis first reviewes the overseas scholars fundamental research and the real diagnosis research which regarding the supervising and managing pressure under the capital and risk.As a result of different supposition condition and analysis data difference, these scholars'conclusions are also different. Therefore, the real diagnosis analysis of our commercial bank is necessary and feasible. This article analyzes the model made by the scholars early time and carrys on the revision to the model essential factor referring to our situation. Finally I obtain the real diagnosis result using the TSLS method that the regulatory pressure is valid to the capital improvement but it has no obvious inflation to the risk in china.At last, I analyze Chinese commercial bank'situation of capital supervising and managing according to the real diagnosis result diligently the direction and propose the suggestion that paying attention to supervising and managing center of gravity between the capital and the risk balance, strengthening the risk management level and so on.The supervising and managing goal in the establishment is taking the capital restraint as the core service growth way, the resources disposition way and the growth mechanism which the realization speed, the benefit, and the risk coordinates the accomplishment steady development modernization among commercial banks. This is why I write this article .I hope to cause coordinated development between the capital and the risk... |
