Research On Credit Capital Management Of Bank Of China Inner Mongolia Branch

In Post-crisis era,how to realize sustainable and healthy development of commercial banks has become a burning question that not only the banks need to study,but also financial regulatory authorities to solve.Now,Basel Accord has been widely recognized as the basic banking supervision regulation all over the world.On 28th Feb 2007,the China Banking Regulatory Commission(CRBC)issued "The Guidelines on the Implementation of the New Basel Accord by China's Banking Sector",which indicated that China has officially launched the implementation of"Basel ?" project.In 2009,China formally joined the Basel Committee on Banking Supervision,and started to make effort on integrating China's banking regulatory standards with international standards.Under the circumstance of integration,this article firstly brings out the perspective that commercial banks are obliged to take capital constraints as a core,and achieve scientific development by deeply analyzing the Basel Accord and China's regulations;secondly finds out the factors which affected the economic capital occupation by researching on the content of commercial bank capital,and finds out a right way that clearly outlines the importance and future direction of commercial banks' credit capital management by using capital measurement requirements and regulatory rules established by Basel ?;thirdly,through the analysis of credit business development and credit capital occupation in Bank of China Inner Mongolia Branch(BOCIM),reflects the consequences of relatively high capital occupation caused by extensive management so as to manage future business development;fourthly,based on the new Capital Accord,together with the experiences of credit risk management in BOCIM,makes a proposal to lower the credit capital occupation and to achieve scientific development;finally,sketches out the next 5-Year Plan of China's commercial banks,which would be.accomplished by strengthening the role of rigid constraints in expansion of capital assets,balancing the relationships between risk,benefit and capital occupation,making full use of the new Capital Accord measurement tools,and furthermore achieving sustainable and scientific development in light of its own characteristics.In conclusion,by doing researches on credit capital occupation in BOCIM,this article analyzes the shortcomings of current development of BOC Inner Mongolia Branch comparing to Basel ?,and points out a way to develop credit business under the principle of Basel II by using management economics theories.Moreover,this article can be taken as references for other commercial banks concerning to relative issues.