| This year, the city commercial banks in china fast expansion, capital constraints are increasingly prominent. Our country city commercial bank capital adequacy ratio has been hovering below8%, the lowest standard is lower than the Basel accord. Since2013, the banking regulatory institution is based on the Basel III, introduced a new and more stringent regulatory capital requirements. This not only may change the operation mode and path of the city commercial bank, also has a great and profound impact on macro financial regulation.Capital is the foundation of steady operation of city commercial banks, plays an important role in protection of deposits, risk management and the defense function and performance evaluation function. Capital as a risk buffer, is the last line of defense to protect the safety of the banking financial institutions. The capital adequacy ratio of commercial banks directly determines the final solvency and ability to resist risks. For a long time, high rate of non-performing loans, low capital adequacy ratio, poor profitability has been a big problem in our province, city commercial banks.As everyone knows, a country’s financial system and commercial bank operation system is affected by the overall economic situation, supervision, quality of personnel, the enterprise culture and so on many factors, not to have a huge improvement in a short time. Therefore, deep explore the reasons behind our country city commercial banks capital adequacy ratio, in order to find out the potential risks and problems, and put forward the construction of the new Basel agreement under the china city commercial bank capital replenishment mechanism, which is the largest research and differences.In this paper, the theory of the capital management of commercial bank based research at home and abroad, summarized the current state capital management system of Commercial Bank of china, analyzes causes of change measures for the management of capital adequacy ratio of commercial banks before and after the introduction of china bank capital adequacy ratio, looking for a variety of factors behind the capital adequacy ratio of commercial banks in china, through empirical analysis that the Commercial Bank of china, the current capital adequacy levels did not suggest banks already have the perfect capital supplement mechanism, and the construction of this mechanism of commercial banks is still the china to enhance the management level, to participate in the competition, an important part of international trade challenges; then, according to the exposure out of the question, in the practice of the capital management of commercial bank in terms of reference to other countries in the world for many years, efforts to open up new approach, to continue to improve and enhance the capital supplement mechanism of Commercial Bank of china this internal hematopoietic function, establish a mechanism for china capital supplement, puts forward relevant point of view. The article from the endogenous and exogenous financing, asset management is discussed in three aspects of construction of our country commercial bank capital supplement mechanism, proposes that commercial banks should strive to establish a long-term mechanism of supplementary capital. |
