Research On Bank Risk Supervision Under Background Of Basel Capital Agreement Ⅲ

Due to the supreme debt crisis in2007, a financial crisis broke out with huge andpersistent effects to world-wide economy. For the reasons of this financial crisis, thebenevolent see benevolence and the wise see wisdom. However, we can learn fromthe history by tracing the reasons, and to take every precaution at beginning.As financial intermediation continues to market and Central Bank uses interestrate control means, the changing frequency and amplitude of interest rates will furtheraccelerate and expand, which will further increase the interest rate risk of Bank.Increasing diversification of the types and means of crime causes economic loss andimpact of constantly expanding. Especially financial fraud and theft cases due tointernal reasons, lead to bigger risk of bank capital loss. Strengthening the study aboutrisk supervision of commercial banks has theoretical value and practical significancein implementing the scientific development view, controlling and optimizing theenvironment for economic development, advancing the framework of financial reformand the establishing the public finance system, promoting better financialmanagement according to the law and strengthening financial functions.In order to enhance the financial regulation and provision of commercial banks,improving the ability of commercial banks to against risk and creating a much morestable financial system, the Basel Committee on Banking Supervision pass the reformof international commercial bank capital regulation, namely the new Basel agreementⅢ. When the tendency of world economy is still not clear, the debate on the influenceof the new Basel Agreement Ⅲ to commercial banks and the recovery of worldeconomy is continuing.Based on the promulgation of the Basel Capital Agreement Ⅲ and thebackground of world economy being in recovery, the article analyzes influence onworld main economic entities of the new rules, and probes into almost kinds of risksin Chinese banks, such as credit risk, market risk, flow risk, business risk, system riskand the like. Then the paper concludes the reasons why there exists concept deviation,unsoundness mechanism, hysteretic risk identification level, imperfect monitoringsystem and irregular talent team quality in risk supervision. And on this basis, thearticle discusses countermeasures of Chinese banks on the new rules, and investigatesfuture new development direction of bank risk supervision, including renewing the idea, improving the system, perfecting the mechanism and innovating the ways andmeans of bank risk supervision.