The Study On The Capital Management Efficiency Of China's Commercial Banks Under The Basel III

Capital is one of the vital issues for the commercial bank, and the capital managementefficiency directly affects its safety and the profitability. The global financial crisis detonating bythe2007subprime mortgage crisis demonstrates the importance of strengthening and improving thecapital management of Commercial banks, it also illustrates the complexity and arduousness ofcapital management, particularly on how to strengthen and improve the capital management in theliquidity crisis. With the introduction of the "Basel III", the supervision of international capitalbecomes more and more strict. In order to base on the international, china's banking industry mustattach great importance of increasing the bank's capital management efficiency, and enhancing thebank's internal strength to improve their international competitiveness.This article first elaborates on the international norms of commercial bank's capitalmanagement, especially analyzes deeply the contents of the "Basel III", and further reviews thepractices of capital management towards China's commercial banks. Then the paper makes anempirical study. From aspects of the capital adequacy, capital structure and capital usage, the articledescribes the present status of China's commercial banks' capital management efficiency. To sumup, through in-depth analysis of the impact and challenges on China's commercial banks' capitalmanagement efficiency under the "Basel III", the article raises the ways and means to improve thecapital management efficiency of China's commercial banks.