"basel Ii" Under The Capital Adequacy Ratio Of Commercial Banks In China Research

Basel Capital Accord has been published since 1988, and used for supervising the banks of G10. The process gradually was accepted by banks al over the world as a guile line. The New Basel Accord was collect many suggestions and amended until 2004, it has provided a more exact frame of the Capital Adequacy Ratio (CAR) supervision. During the practice of financial reform, the CAR is an important act regard by the supervision authorities, for our banking industry is urgently open to the foreigners. The computation of capital requirelnent is an international standard for our banking reform.The regulation authorities did not their best, commercial bank assets quality poor and unreasonable capital structure were the cause of the capital inadequacy and the regulation inefficiency. At present, China has implemented "the capital adequacy rate management Method" to strengthen the supervision of capital adequacy rate of the commercial bank, and the new methods will lead capital adequacy rate of commercial banks decreasing. At the same time, the buffer period of accession to the WTO of China will expire soon, the competition between foreign-funded commercial banks and comercial banks of China will aggravate day by day. The risk management of Commercial bank will be increasingly important. So, studying capital adequacy rate and its regulation will have very strong realistic meanings for commercial bank. And then this thesis analyzed the feasibility of ten kinds of improving the capital adequacy rate means, the conclusion was that: Issue secondary bond, convertible bond and preference stocks are the most suitable scheme to raise the capital adequacy rate of commercial banks of China in a short time; In the medium and long-term, issuing stocks publicly through shareholding system transformation, set up good capital supplement mechanism is the best choose; Moreover, the commercial bank should make use of various kinds of ways to raise the capital adequacy rate at the same time.The comparing analysis and the research with real figures were used in the thesis. There were some suggestions on the regulation authorities of China and commercial banks, and was hopefully to be useful.