On The Transformation Of Bank Credit Lines After The Introduction Of Basel Agreement ?

The Basel ? regulations,as of January 2015,the global commercial banks of a minimum capital adequacy ratio will be from the current 4%,up to 6 percent,composed of ordinary shares "core" tier one capital accounted for bank risk assets lower bounds from the current 2% to 4.5%.Banks should set up "capital door buffer funds",total amount shall not be less than 2.5% of the bank's risk assets,countries can according to the conditions,require a bank to extract 0%-2.5% counter-cyclical capital buffers,so that the bank can counter the risk caused by the excessive lending."In the" Basel ? ",the general people also believe that support for SMEs is a kind of social responsibility.But in fact transformation of the bank requirements of their own must choose between a capital consumption,high survival rate of return,must also be in the face of risk under the premise,and constantly improve their own risk management ability and to respond to future market."The "Basel ?" under the background of commercial bank credit business began to implement the "new rules",according to the Credit Department of commercial bank credit business management change management system,build a comprehensive credit system,improve business process efficiency,so that the credit management situation total capital new look of commercial banks to achieve a double,the credit structure and balance.With the slowdown of economic growth and the deepening of economic restructuring,the quality of credit assets of commercial banks after the introduction of the Basel agreement is bound to face more severe challenges.Based on this,this paper from the study of Basel ? hands,analysis of the current low risk capital occupied by bank credit products,and then put forward the four chapters of our country commercial bank credit business development trend prediction,through research and exploration after the introduction of the Basel ? banking credit business development of new path.