Research On Economic Capital Management Of Bank Of Communications

As an advanced management methods,in recent years has become a commercial bank economic capital management important evaluation criteria used to measure against the risk ability.The idea after the 2008 financial crisis,further has won the acceptance of the commercial Banks in the world,also gradually accepted in China.So-called economic capital,is refers to under certain confidence level,specifically to deal with or absorb risks brought about by the unexpected loss of capital.This is a new concept,the returns and risk of investment Banks can be organic unifies in together,the balance of the capital and maximize the long-term value of the capital.Additional economic capital can also be integrated business objectives and performance appraisal results,promote the business structure optimization,under the condition of reasonable constraint,realizing the maximization of value.This is the meaning of this article choose to study the economic capital management.Bank of communications,as early as in 2005 has been in the method of performance appraisal in the introduction of the concept of economic capital,increasing the business of low and economic capital to take up more highly attention and examination,perfect for the adjustment of business structure optimization.However,in practical ways,bank of communications start there are still some shortcomings in the country.For a long time,bank of communications in a more extensive evaluation measurement of economic capital in the form of index determining the traditional model of economic capital on lending there is still no improvement,affected the bank next to the pace of reform.Under this background,this point,this paper focuses on the development of the current traffic bank economic capital process.On economic capital and related theory to define and explain,based on the measurement method,method of configuration and performance system three aspects analyzes the actual situation of bank of communications,and the advantages and disadvantages of existing and related Suggestions are put forward.After some applications in the developed countries through understanding the economic capital management has rich experience of commercial Banks,still from three aspects as measurement,configuration,and performance evaluation,according to their different characteristics and experience for reference.Finally,combining with the contents mentioned above,combining domestic and foreign experience and Suggestions of the future development of the traffic bank economic capital management four Suggestions are put forward.