A Study Of Chinese Shareholding Commercial Banks' Capital Adequacy Ratio

Reforms along with banking industry of our country, the shareholding commercial banks develop rapidly. From the property share and the market share, the shareholding commercial banks are the second main body in Chinese banking industry. The shareholding commercial banks play the vital role in promoting our country bank main body multiplication and strengthening the competition of our country banking industry.As the shareholding commercial banks develop, supervision of the shareholding commercial banks is also important. The steady development of the shareholding commercial banks is one of conditions of Chinese Banking industry's healthy development. In 2004, our country promulgates《The law of commercial banks'capital adequacy ratio supervision》. The law stipulates that shareholding commercial banks must have enough capital . In recent years, Chinese state-owned commercial banks have sold bad properties under Ministry of Finance's help. At the same time, the state-owned commercial bank got the massive capitals from Ministry of Finance, went on the financial market for capital , so capital adequacy ratio of the state-owned commercial bank rises rapidly. Comparatively, capital adequacy ratio of the shareholding commercial banks is not high because the shareholding commercial banks expanse quickly and can not get enough capital. The domestic financial market open up and the relevant supervision authorities stipulates that every commercial bank must have enough capital , so the shareholding commercial banks would develop slowly and operate unsoudly because they have not enough capital.The author study capital adequacy ratio of the shareholding commercial banks atfer analysing the importance of the shareholding commercial banks in Chinese financial market. This paper includes five chapters. The first chapter analyzes the backgroup of the study and status quo of the study. The second chapter focuses on the capital adequacy ratio of Chinese shareholding commercial banks. The second chapter discusses four parts: the development of Chinese shareholding commercial banks, the meaning of Chinese shareholding commercial bank's capital ratio, the situation of Chinese shareholding commercial bank's capital ratio,the problem of Chinese shareholding commercial bank's capital ratio.The third chapter focuses on factors that influences capital adequacy ratio of the shareholding commercial banks. The fourth chapter presents many approaches to enhance capital adequacy ratio of Chinese shareholding commercial banks in aspects of numerator strategy and denominator strategy. In a word, shareholding commercial banks select the reasonable financing approach in light of theirselves condition, build dynamic capital supplement mechanism as soon as possible. In final chapter , the autor emphasis enhancing capital adequacy ratio of Chinese shareholding commercial banks from macroscopic angle such as lowing tax,regulation.In a word, this article anlyses Chinese shareholding commercial banks'capital adequacy ratio.The autor hopes that this article will be helpful in knowning status quo and problems of Chinese shareholding commercial banks'capital adequacy ratio, enhancing capital adequacy ratio of Chinese shareholding commercial banks, building dynamic capital supplement mechanism.