| Under the background of the rapid development in the financial globalization and China’s accession to the WTO,We realize the bank internationalization of China’s banking industry development is an important strategic objectives. Since the financial crisis in2008,because the regulatory policy become more and more severe, especially the implementation of inverse cycle regulation and dynamic dial capital, makes our banking capital adequacy ratio be optimistic in the short term. After introducing strategic investors and listed a series of major reform steps, as a main body of China’s banking industry of the state-owned,Commercial Banks has become an international big bank conditions.At the same time, in an expanding market share and consolidate the mainland,domestic joint-stock commercial bank also seek the overseas business growth by various means.But when we consider the actual situation of China’s banking industry and the overall monitoring idea change of "Basel Ⅲ", It’s influence on China’s banking industry still cannot be ignored.This paper based on the theory of bank supervision, it represent the evolution process of "Basel Ⅲ",then analyze the causes of sub-prime mortgage crisis and its effects on Basel systematically. Instead of denying "Basel Ⅲ",it is becoming more important to implement "Basel Ⅲ"comprehensively.Many improvements are put forward about "Basel Ⅲ"by the Basel Commission.At that time,Chinese banking and international banks will stand at the same starting line in the implementation of "Basel Ⅲ".The Problems of China’s banking are not only the unprofessional measurement of capital and low capital adequacy ratio,but the ambiguity of capital’s nature and function.When implement the "Basel Ⅲ",we should respectit basic principle sand spirit;on the other hand,we should combine it with China’s national conditions and pay attention to the appropriate institution building.Advanced technology in the sound system can play its due role which is the new capital accord of the basic spirit and principles of lies.There are five parts of the paper.The first part introduces the research background and meaning, describes the relevant literature review,research ideas and methods,the innovation and the weakness.The second part introduces the evolution of the Basel agreement and development, analyzes three leaps framework and its main features of the Basel agreement. The third part introduces by the rules of "Basel Ⅲ", the overseas business current situation of Commercial Banks in our country and the influence from the macro and micro aspects to the Commercial Banks in China. The fourth part is the empirical analysis. It selects the data of Chinese Listed Commercial Banks from2000to2009, and constructs the Panel Data Model. Then, this part has a regression analysis of the effects that deleveraging influences financial performance of the Commercial Banks. The fifth part sums up the theoretic and empirical conclusions of the paper, and then, promotes a series of policy proposals.With the development of our national economy and the reformation of financial system, requirements from home and abroad for China’s commercial Banks overseas business are also more and more high.So Banks need to guarantee its own safety and liquidity of when it operating. But Commercial Banks must be required to sacrifice the opportunity and method to get some profits to ensure that the two requirements. Based on2000-2010years of Commercial Banks at home, the study found that the imfluence of supervision to the liquidity and capital adequacy ratio of Commercial Bank’s profitability is negative, but have a positive impact on the liquidity of Commercial Banks. The banking must change their way of operation and improve its international competitiveness. In this way, Chinese banking will win a place on the world stage in this opening time of financial market. |
PDF Full Text Request