The Optimization On Capital Management Of XX City Commercial Bank

Capital as an important factor that affects commercial bank’s safety and profitability, has become the core of commercial bank management. Based on Basel III published by Basel committee, the China Banking Regulatory Commission has also timely carried on the localization of Basel Accord. It makes the domestic commercial banks, especially the city commercial bank capital management face unprecedented challenges. In order to obtain steady development, the city commercial bank must have enough capital support. XX city commercial bank capital management still stays simply on the capital adequacy ratio management. According to the domestic and international regulatory standards, it is particularly important to establish the new capital management system. At the same time, with capital management as the center, which can broaden the channels for effective capital supplement, establish and improve the comprehensive risk management, improve the capital use efficiency, enhance the capacity of the sustainable development of XX bank. XX city commercial bank has been at the forefront of the development in the city business team in recent years. Many problems existing in this bank of the capital management are also the common problems in city commercial banks. Therefore, the capital management scheme designed in this article has certain operability, and has certain reference significance for other commercial banks and small and medium-sized banks.This article firstly makes a comprehensive overview to the domestic and foreign research theory and relevant theory of capital management, and elaborates the Basel Accord which is the international rules of capital management and issued by the Basel committee. It focuses on new regulations of the Basel Ⅲ, laws and regulations of our country’s commercial bank capital management and the regulation of China Banking Regulatory Commission requirements are analyzed in detail. This article selects the XX city commercial Banks as the research object, and combines with the practice of other city commercial banks, by using of comparative analysis and system analysis of XX bank capital management situation to carry on the comprehensive analysis.And then from XX city commercial bank’s capital structure, capital management basic and capital use efficiency, this paper points out the existing defects and deficiencies existing in the capital management system, and analyses of the problems existing in the internal and external.Then the articles puts forward XX city commercial bank capital management scheme by combining the Commercial Banks’ Capital Management Approach (Ttrial) requirements, from the three pillars of the Basel Accord.And other means are also adopted,such as broadening capital supply channels, the transformation of business strategy development taking up less capital business, the establishment of comprehensive risk management system, in holding kinds of risk and capital adequacy in the pressure test, building internal capital adequacy assessment process, standardizing information disclosure ect. Then, the operating data of XX city commercial bank are selected,and the bank capital adequacy ratio is taken as an example with the qualitative analysis method to analyze capital management scheme, it gets effects that the capital management scheme for XX bank’s risk management and capital adequacy ratio index. Finally,It comes to the conclusion that XX bank should establish capital management system to meet the requirements of new capital regulatory as soon as possible, to improve the efficiency of capital management, meet regulatory requirements, Improve the core competitiveness, and finally realize the stable development of XX bank.The main innovation of this article is as follows:according to this research object,XX city commercial bank combines the latest domestic regulatory requirements for the design of capital management scheme. Especially in terms of capital adequacy, It refers to the innovation capital tool, enters the new three board listing, issues preference shares, try the channel such as asset securitization, which has positive significance for improving its capital adequacy index...