The Implement Reseatch On Economic Capital Management Used In Banks Of China

The economic capital is business risk capital needs, and its role is covering business risk. The new Basel Capital Accord explicitly raised the bank’s capital adequacy ratio requirements, to provisions of computational methods as well as supervision and inspection and disclosure requirements. The China Banking Regulatory Commission to draw the new Basel Capital Accord proposed regulatory standards and requirements for capital adequacy ratio of commercial banks in China, established in line with the China Banking regulatory regime. A new and higher requirements management and risk management of the bank’s capital, the new regulatory regime, the face of this situation, China’s commercial banks is imperative to establish the economic capital management approach in line with their own conditions, correctly measure the business development needs the total amount of economic capital.Because our country bank in the management ability and technical ability with the international advanced banks also have the big disparity, it’s impossible at this stage as foreign banks as the implementation of a comprehensive, real economic capital management. In view of this, the author thinks our country commercial bank economic capital management should take the assets risk status for measurement according to plan, as a means of management, to control the risk asset growth as the goal of economic capital management system.In this paper, through the method of combining theory with practice, from economic capital theory, management connotation and the allocation of resources on the aspects of the application of economic capital management, discusses the theoretical system and method. Meanwhile, based on the implementation of economic capitals management in Postal Savings Bank of China, further analyses the application and effection of economic capitals in risk measurement and risk controls, and comes up a series of suggestions.