The Capital Adequacy Ratio Of Commercial Banks In China Regulatory Effectiveness Research

In view of the banking industry in the national economy of a country's important position in a long time,banking regulation is the world's financial regulatory authorities have been the focus of regulation.In recent years,with financial globalization, increasing the risk of the banking industry is facing. In this situation,the world's financial regulators have regulatory reform of the banking regulatory system to adjust focus,but the requirements on capital adequacy has generally adopted a more stringent regulatory measures,regulatory capital has become the core of national prudential banking supervision.However,the effect of this regulation means how does this article start from the research results at home and abroad,both from a theoretical and empirical point of view of the capital adequacy ratio,respectively,the effectiveness of regulatory issues.This article is divided into five parts.The first chapter introduces the research background and significance,and research results relevant literature.Chapter two regulatory capital adequacy ratio of commercial banks,the validity of a general overview of the theory,including the definition of bank capital, composition, function, capital adequacy ratio of the definition,measurement standards,and theorists and effective supervision of capital adequacy ratio of understanding.The third chapter describes the regulatory capital adequacy ratio of commercial banks in the history of the evolution of practice,including international and regulatory capital adequacy ratio of China's implementation of the development process and the capital adequacy ratio of commercial bank status.The fourth chapter is the key text is the core text in the review of capital adequacy ratio of commercial banks in the course of development regulatory and commercial bank's capital adequacy ratio Capital Adequacy Regulation after the validity of the theory, selected 18 representative listed banks use two-staged least squares(2SLS) simultaneous equations model for the establishment of capital adequacy ratio of commercial banks,the validity of an empirical test.Chapter five in front of the theoretical and empirical analysis based on the improved capital adequacy ratio of commercial banks to monitor the effectiveness of a number of recommendations put forward,Finally,a summary of the full text.The main conclusion are:first,China's financial regulatory authorities in recent years introduced a series of laws and regulations effective in promoting China's commercial banks shown capital adequacy regulation is effective;second, our firm capital adequacy ratio of commercial banks under the premise of the effectiveness of supervision must also be clear to the restructuring of the banking sector is still in transition,and the technology and level of financial supervision in China and many other factors,capital adequacy ratio of commercial banks monitoring the effectiveness is still in low level, its effectiveness remains to be future improved.