A Study On The Influence Of Capital Adequacy Ratio Of China 's Listed Commercial Banks On ROE - Related Financial Indicators Under The Framework Of Basel' S

Along with the acceleration of the domestic financial system and increasingly stringent regulatory measures, the competition between banks becomes intense, how to seek development of various commercial Banks at the same time guarantee the robustness of its business activities to become the key of the regulators and Banks themselves. Capital adequacy ratio as a measure of bank operation robustness and against one of the primary indicator of the risk supervision became the various countries’ banking supervision authorities of the main content of banking supervision.Along with the fast development of financial globalization, Basel Capital Accord III is formally published, the prudential capital adequacy framework which is based on three pillars is now becoming the international standard of measuring the stability of a single bank, even the whole banking system; also it’s the fundamental measurement to maintain fair global banking competition. Looking at our domestic banking industry, there’re still many problems. Most domestic banks judge their development by the scale expanding, which caused the simple capital structure and accumulated operation risk, and limited the commercial banks’sustainable and healthy development, it also effected the stability of the whole banking industry.Therefore, how to meet the management of robustness at the same time improve the efficiency of bank management and reduce costs to increase profits will have far-reaching significance to the development of the financial industry and our country.This article selects16a-share listed commercial Banks in China as samples, collate the banks’ capital ratios, also analyze the banks’ capital ratios at present and their existing problems, do regression analysis to capital adequacy ratio and ROE relevant financial indicators through the econometric model. Finally this article found that under the and overall capital adequacy, present situation and existing problems, and of capital adequacy ratio and family, found that under the condition of satisfy regulatory requirements, banks can get benign ROE growth on the basis of changing and improving the business structure, balancing of liquidity,safety and profitability. Based on the analysis above, this article put forward some relevant suggestions and countermeasures to strengthen the capital adequacy regulation and to improve the benign development of the bank.