Case Study On Jiangsu Bank Capital Supplement Channel Optimization

After 6 years of waiting,the IPO of the Bank of Jiangsu approved by the Commission,which has been the first implementation of the shares listed on the city commercial bank since 2007.This means the suspension of the IPO of city commercial banks which has been more than 8 years is over and the IPO of city commercial banks restarts the door.Compared to large banks,the long-term capital replenishment channels of the city commercial banks represented by small and medium banks in are relatively weak.And in order to ensure profit growth,capital consumption has been faster.In the fact of the rapid expansion of the scale of assets,innovative business in an endless stream,weak profit growth,the city commercial banks are facing an urgent need to replenish capital.Therefore,the research of the Bank of Jiangsu tries to solves the problems for Chinese city commercial banks to replenish capital,and summarizes the experience under the new Basel agreement and construct the city commercial bank capital replenishment mechanism,which would be important reference significance for small and medium sized commercial banks and help them to choose the appropriate way to replenish capital.This article first introduced the Basel agreement and the CBRC on commercial bank capital adequacy requirements,combined with the actual situation of China's capital city commercial bank,that capital management status and existing problems of city commercial banks.Then,through the analysis of the advantages and disadvantages of different ways to supplement the capital,and combined with the data analysis,this paper expounds the ways to supplement the capital of urban commercial banks in china.This paper focuses on the analysis of influence of different causes of the Bank of Jiangsu capital supplement mode and the way of the development of the Bank of Jiangsu in different stages,summed up the experience of the Bank of Jiangsu solving the problem of capital shortage,making lessons and reference for other commercial banks to replenish capital of the world.And puts forward the optimized proposal.Finally,according to the problems of China's city commercial banks of replenishing capital issues,this paper puts forward some suggestions and strategies to replenish capital,to continue to improve and perfect the capital supplement mechanism of city commercial bank in China,and explores the real building in line with China's city commercial bank development characteristic of the capital management mechanism.In summary,this paper conducts a comprehensive analysis on the status of the city commercial bank and funds supplementary way for city commercial banks,which is expected to provide a reference for city commercial banks to effectively supplement the capital.And this paper proposes suggestions for them to further broaden the financing channels,helps the city commercial banks to improve capital structure and improve asset quality and enhance the market competitiveness of the commercial banks,and promotes the development of China's banking industry.