Financing Of Industrial Bank

In2011, the Banking Supervision Committee announced<Capital Measurement Approach in Commercial Banks>.It can be summarized from two aspects. First, capital adequacy rate is improved. Second, the risk grade of commercial bank’s asset is restructured. This made China’s commercial banks have to face worse problems. First, China’s commercial banks loaned a lot of money to the market. Second, China’s commercial banks faced worse capital structure. With the worse problems, most commercial banks announced their financing plans. The situation is that the profitability of our commercial banks is poor. So the needs of the capital can not be met relying on their own earnings. The banks can only resort to the capital market. This has caused pressure on the stock market. Under this background, studying the financing method of Industrial Bank will have significant meaning.Firstly, this thesis introduces the common financing methods, besides the advantages and disadvantages. The present situation of small commercial banks is listed, then the reason which lead to the under qualified capital adequacy rate of China’s commercial bank is analyzed. Follow the financing history of Industrial Bank, this thesis uses case analysis and financial analysis to study the financing methods, why Industrial bank choose the financing methods and how the financing methods effect the bank, and then find how to solve Industrial Bank’s capital adequacy rate problems. Finally, according to the analysis of financing methods, give some financing advises to China’s small commercial banks.