Research On Capital Supplement Of Agricultural Bank Of ZNS

Capital is the lifeline of the development and expansion of commercial banks.The level of capital adequacy reflects the ability of commercial banks to develop the scale of assets,and reveals the anti risk level of commercial banks.According to the requirements of the capital management measures of commercial banks(Trial Implementation),commercial banks should meet the regulatory requirements of capital adequacy requirements before the end of 2018.In order to meet the requirements of supervision,it is necessary for commercial banks to select capital supplement policies,countermeasures and capital replenishment channels in time.As of the end of 2016 ZNS rural commercial bank capital adequacy ratio of 12.03%,down 0.43 percentage points higher than in 2015,down 1.52 percentage points compared with 2014,the total assets increased by 38.47%compared to 2012,a 45.86%increase in risk weighted assets.Capital adequacy ratio is decreasing gradually,capital replenishment mechanism is not clear,endogenous capital supplement can not meet the increasingly expanding asset scale,and the trend of capital consumption is increasingly significant.In order to enhance the competitiveness of enterprises,safeguard the rights and interests of stakeholders and protect asset safety,it is urgent to improve capital replenishment capacity from the perspective of capital replenishment mechanism,capital replenishment channel and capital supplementary tool innovation.In this paper,through the quantitative analysis of ZNS rural commercial bank capital supplement the relevant historical data found that nearly three years the capital adequacy rate decreased year by year.In order to maintain its credibility,industry risk prevention to improve the capital adequacy ratio of ZNS rural commercial bank has become a pressing matter of the moment,is the key to promote the research of capital supplement.Through the investigation and analysis of ZNS rural commercial bank historical data found a capital ratio,capital replenishment channels,financing pressure,capital consumption,capital structure is not stable,shareholders lack of confidence.Then,it puts forward some countermeasures and suggestions from the aspects of perfecting the capital replenishment mechanism,optimizing the capital supplement channels and carrying out the innovation of capital tools.Boost ZNS rural commercial bank to improve the capital adequacy ratio,optimizing the capital replenishment ability.At the same time,according to the current regulatory requirements for loan losses and contradiction,the tax requirements of general provision for the special nature of the industry called on the government to reduce the tax burden,improve the profits of commercial banks and commercial banks retained,increase capital,improve the capital adequacy level of commercial bank.Finally,in the ZNS rural commercial bank is discussed as an example,according to a guiding role and reference suggestions of countermeasure of small and medium-sized rural commercial bank operation actual supplementary mechanism,for other rural commercial banks to improve capital optimization of capital supply channel and innovative capital replenishment tools.