Analysis On The Capital Adequacy Ratio Of Commercial Banks In China

As one part of financial market,Commercial bank are indispensable for the modern financial system.It plays an important role in the sound and rapid growth of national economy.In the continuous steady operation of commercial Bank,capital plays a very important role.National financial regulatory authorities take capital adequacy radio as the pinnacle of banking supervision.The CBRC in 2012 issued "commercial bank capital management method ",This paper puts forward higher requirements for the quality and quantity of commercial banks in China,and put forward a clear transition period(2013-2018).The changes in the regulatory system,making the optimization of capital adequacy ratio,the effective complement of regulatory capital has become an urgent need to address the important issues of commercial banks.This paper is divided into six parts,the first part,to clarify the background and significance of the research,literature review at home and abroad related research,clear research ideas and methods;In the second part,the author gives the definition of bank capital,and makes clear “the capital structure of commercial banks(Trial)” and Basel?,And the calculation method of capital adequacy ratio and the capital adequacy ratio of the new are discussed;The third part introduces the evolution of the standard of capital adequacy supervision at home and abroad,and makes a comparison of capital adequacy requirements in "capital management measures on commercial banks" commercial bank capital adequacy ratio of the measures on the administration;The fourth part introduces the proportion and composition of the first class capital and the capital of the two class,and analyzes the present situation of the capital adequacy ratio of commercial banks in china;The fifth part,the use of measurement tools,influencing factors on the capital adequacy ratio of commercial banks in China to conduct empirical analysis based on asset growth,profitability,traditional business accounting,bank risk and capital level index as independent variables,the regression based on the panel data,analyzes its influence on the capital adequacy ratio of commercial banks.The analysis results show that the negative correlation between asset growth and capital level of capital adequacy ratio has significant index;profitability and traditional business accounted for ratio has a significant positive impact on the capital adequacy ratio;therate of bad loans impact on the capital adequacy ratio is not significant;the last part,combined with the previous theoretical analysis and empirical analysis of the results.Suggestions for China's commercial banks capital adequacy ratio.