Empirical Research On Economic Capital Management Of Commercial Banks

With the internationalization of the banking and financial system reform and financial regulation,China's banking sector is facing a test with the impact of capital constraints and risk culture.Comprehensive risk management has gradually become an important part of commercial banks' core competence.Economic capital is an important tool for commercial banks to carry out a comprehensive risk management,business risk arising from capital requirements,its role is to cover business in all kinds of risks.The essence of economic capital management is risk management as an important means to strengthen commercial banks' internal capital management and risk management can not only improve the level of commercial bank's capital management,economic capital but also can play in budget management,resource allocation and performance assessment active role in achieving sustained growth in shareholder value.This article first introduced commercial banks' capital management from the start,leads to the study of economic capital,elaborated the theory and methods of economic capital management,AB Commercial Bank Economic Capital Management for the sample,take the case analysis describes the economic capital of the branch management modeland the idea of economic capital management,measurement scope and methods of in-depth analysis,historical comparison,the lateral correlation of the data analysis,the introduction of major changes in economic capital management of the branch pattern of growth and profit model.Finally,before concluding on the basis of how to further strengthen and enhance the economic capital management strategies and recommendations.