The Defect Analysis Of Basel Ⅱ And It's Revised Measures

1988' the basel concordat to the banking business and management in formulating the normative, it is very long time for the effective operation of the banking industry has played a positive role. But as the world economic development and the complex of the banking, basel concordat started to explore all kinds of lacks. Everyone is aware of the basle concordat will not be able to meet the effective supervision of banks. In such cases, more comprehensive and efficient new birth of the basel concordat is imminent. The end of 2004, which despite repeated studies and new changes, basel concordat finally determined.New basel concordat to inherit the basel concordat, on the basis of the many facets of the development of innovation. The development of innovation in three key areas :minimum capital adequacy rate , market restrictions, the financial supervision. It is considerably improve the supervision of the banking development of the situation.Since 2007,the united states the spreading subprime mortgage crisis let's surprise, the banking sector in this storm, so fragile weak. That we could not open to doubt the new agreement and its practicality. New basel concordat, if I can like it that way, the banking sector to improve the current critical situation, and promoting the healthy development of the banking sector. By the relevant study and research, I think that new basel concordat, there are certain deficiencies, it is precisely the deficiencies affect the effective operation of the new agreement.The first three chapters in the article begins, I expounded writing this article backgrounds, a sense, innovation and weaknesses. In the first chapter, I give a sketch of the new agreement and its innovation, although I will point out that the new basel concordat, basel concordat of innovation to have its profound significance. Then the second chapter, I will explain the new emphasis on the basle concordat, theory and practice of proof to show the new agreement still exist. Next, I am in the third chapter is to raise my offer of the article is more practical. Finally,I analysed the improvement of basel III and defects of basel III.