The Study Of Factors Influencing China Listed Commercial Banks’ Capital Adequacy Ratio

Since the Basel Agreement established with capital regulation as the core of riskmanagement system, the theoretical research on influence factors of bank capitaladequacy ratio has been rapid development. Listed Commercial Banks as a coresubject in our commercial bank system continue to deepen, along with our country’sfinancial system reform. Commercial banks’ joint-stock system reform and listingprocedure speeds up. Listed commercial Banks accompanied with the process ofreform and opening up of China’s financial industry development gradually, especiallysince going public in the restructuring, the overall scale of strength and corecompetitiveness has made great progress. In-depth study of China’s listed commercialbank capital adequacy ratio influence factors has important significance. It helps tograsp the real risk situation, measure risks accurately and timely,appropriate assetallocation, complete the banking risk prevention and control, enhance the ability ofBanks to resist risks, improve our country commercial bank, realize the steady andsafe operations of self-discipline, and to enhance the international competitiveness ofChina’s bank and capital regulation formulated in accordance with China’s nationalconditions and improve the bank’s capital supplement mechanism in our country.This article focuses on main factors such as bank regulation effects on the capitaladequacy ratio. To "Commercial Bank Capital Adequacy Ratio Management Method"enacted in2004as the background, on the “Management Method” to implementdomestic10listed commercial bank capital adequacy after the inspection whetherthere is a significantly increased. Through it, to analysis whether the way ofobjectively promoted the progress of our country commercial bank capital adequacystandard. What’s more, the sample is divided into State-owned Banks and Joint-stockCommercial Banks two sub samples as the stability test, the results show that capitaladequacy requirements of capital adequacy ratio does not amount to mark bankplayed a significant role in the process of target, but did not promote the bank capitaladequacy standard again to raise the level of capital adequacy ratio. Select10representative listed commercial Banks from2000year to2009year panel data as theresearch sample, with the ratio of net capital to risk weighted assets ending balance ofmeasure of commercial bank capital adequacy ratio level, focuses on the bank’scapital scale capital growth rate of capital return loan ratio and non-performing loanratio effects on capital adequacy ratio of fixed assets, and to the stability test samples.Results show that the scale of capital growth and fixed asset ratio present a significant negative correlation relationship with capital adequacy ratio, return on capital presentsa significant positive correlation relationship with capital adequacy, bad loan ratio andthe deposit-loan ratio and capital adequacy ratio showed no significant negativecorrelation relationship.