The Influence And Countermeasure Research On Commercial Bank Based On Chinese Version Of Basel Accord Ⅲ

In2006the first signs of the US subprime mortgage crisis appeared, then thatgradually developed into the global economic crisis, the root cause is commercialBanks had excessive investment, and inadequate capital. Crisis makes the Baselcommittee is aware of that there is a big loophole on the Basel Accord I and Ⅱ, soonthe Basel committee issued new Basel Accord Ⅲ. BaselAccord Ⅲ has morecomprehensive supervision on commercial Banks and improve the regulatoryrequirements. China banking regulatory commission (CBRC) according to the BaselAccord Ⅲ also established the Chinese version of BaselAccord Ⅲ, what are theeffects of new standards for Chinese commercial Banks, and Chinese commercialBanks should take what kind of response, this is the article main research content.At first, this paper study the development of the Basel Accord,and Basel AccordⅢmajor new rules, then analyzed the development of the China banking regulatoryimplementation of Basel Accord, and the Chinese version of Basel Accord Ⅲmajorstandards. Then According to the four regulatory indicators in Chinese version ofBasel Accord Ⅲ: capital adequacy ratio, the leverage ratio, reserve ratio, liquidityratio, the performance of commercial Banks at present, the future development trend,the impact on the commercial Banks were analyzed one by one. According to theanalysis of the four major regulatory indicators as a result, the strategies ofcommercial Banks in China are given.In this paper, through the study found that the implementation of the Chineseversion of Basel Accord Ⅲ, the impact is not big to our country commercial bank inthe short term, but in the long term will have greater impact. Implementation of thenew standards, our country commercial bank profit margins will be lower, and fundsof management will be much less. Our country commercial bank must take activemeasures to adjust the existing business model to improve profit margins, accuratemeasuring the cost of funds, guarantee the efficient using of funds, to satisfyregulatory requirements in the future, and steady business.