Capital Adequacy Regulation Study On The Impact Of Business Performance

Banking plays a more and more important role in the economic development of our country.Different from the productive enterprises,The commercial banks' high of debt management hides more risks,so more strict supervision is needed.In recent years,due to the financial crisis caused by the bank capital problems,countries have paid more attention to finding suitable systems for their banking supervision,but this does not mean that supervision is very effective.On the one hand,the supervision of capital adequacy ratio can ensure that the quality of bank assets is improved,but for the high capital adequacy ratio of the banking industry,it means that the operating cost is more expensive,which will often affect the performance of commercial banks.Affecting the assets of commercial banks Main configuration and financial innovation.This requires the coordination of capital adequacy ratio supervision and commercial bank management performance.Firstly,this paper describes the background and significance of the research,combs the domestic and foreign literature related to the supervision of capital adequacy ratio and management performance,and on the basis of classifying and summarizing the existing literature,conceive the research design of this paper.It also points out the possible innovations and shortcomings of this paper.Secondly,the capital adequacy ratio regulation and the theory of commercial bank ' s operating performance are described.The basic concept is introduced,and the theory of capital adequacy ratio is divided into four stages,and five financial theories with deep influence on the operation performance of commercial banks are described.On the basis of understanding the theory,the paper analyzes the effect of capital adequacy ratio supervision on the operation performance of commercial banks.Then according to the actual situation of our country's capital adequacy ratio supervision,this paper analyzes the present situation of our country's capital adequacy ratio supervision from three time periods,according to the commercial bank management principle,starts from four aspects of the commercial bank management performance present situation.This paper analyzes the influence of capital adequacy ratio supervision on the management performance of commercial banks.Then,on the basis of theory and current situation,the empirical analysis of the influence of capital adequacy ratio supervision on commercial banks' operational performance is made.Using the panel data of 16 listed commercial banks in China from 2009 to 2016,using principal component analysis(PCA)to construct the operational performance index of commercial banks,and applying the senior amplitude method of Jacques 1997)to introduce the capital adequacy monitoring pressure index to carry out descriptive statistics..Finally,according to the empirical results,we find that the supervision of capital adequacy rate has no positive impact on the performance of commercial banks,and the capital adequacy ratio of commercial banks has been significantly improved under the supervision of capital adequacy ratio,and the security and liquidity have been guaranteed.However,the operating performance has declined,which shows that the capital adequacy ratio regulation is not effective enough,and draws a conclusion and puts forward the relevant suggestions to the regulatory authorities and commercial banks respectively.