| In1988, the Basel Committee on Banking Supervision (BCBS) issued the Basel Capital Accord in order to promote the safety and soundness of the global financial system though setting the same minimum capital standard. Now it is called Basel I. Developing with the financial revolution more than20years, the Basel Accord has run into the times of Basel III, in which the capital requirement has been more expansion. The new Basel Accord now not only covers the more strict basic capital adequacy, but also covers the minimum leverage ratio and liquidity requirement of the global banking system.In2009, China became a member of BCBS. As a member of BCBS, Our country horned our commitment that our CBRC (China Banking Regulatory Commission) publish our new Capital supervision requirement document after the publishing of Basel III, which is called the "Basel III of China". Our new requirement document’s name is "Commercial Bank Capital Management Method". It is the newest guide and very much worth researching to find what kind of influence it will bring to our commercial banks.Though the study of three Basel Accord and our capital supervision of commercial bank in China, I carefully compared the similarity, the differentia, and then analyzed the reasons of differentia. Based on all above analysis, I collected17banks’annual reports in China, and built a model to do an empirical research. Moreover I found a real data of a small commercial bank in Southwestern China, and did a more careful and a more accurate case study. After the empirical research and the case study, I got to a result that the "Commercial Bank Capital Management Method" may bring1%to2%or even more decline of capital adequacy ratio to the commercial bank in China. Furthermore, I concluded that the document will make the commercial bank facing the financing pressure, guide them to switch their traditional business pattern, and lead them to build a more full-scaled risk management system. |
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