Research On The Impact Of Leverage Regulation On The “Three Natures” Of Commercial Banks

The “Three Natures” principle is the basic principle of commercial bank management,namely safety,liquidity and profitability.For a long time,high-debt operation has been one of the characteristics of the banking industry.Certain financial leverage is helpful for commercial banks to expand their business,expand their scale,and carry out financial innovation.However,excessively high financial leverage often hides high risks.The promulgation of “Basel III” incorporates leverage ratio into the global banking supervision index system.The purpose of leverage ratio supervision is to promote the stable operation of commercial banks and improve their safety,but at the same time,the supervision of leverage ratio will certainly the scale of assets,capital and liabilities has an impact,which affects the liquidity and profitability of commercial banks.Can the introduction of leverage ratio regulation effectively reduce the risks in the operation of commercial banks and improve the safety of commercial banks? How does leverage ratio regulation affect the liquidity and profitability of commercial banks? What is the effect path of leverage ratio regulation on the “Three Natures” of commercial banks? Is the effect of implementing the new regulations on leverage ratio supervision obvious? Clarifying these issues has important theoretical and practical significance for improving my country's financial regulatory system and promoting the future development of my country's banking industry.The purpose of this study is to try to clarify the impact of leverage ratio regulation on the “Three Natures” of commercial banks.To this end,this article first sorts out the existing domestic and foreign relevant literature;secondly,it defines and elaborate the research subject of this article.The theoretical basis of this article;once again,the leverage ratio of 16 commercial banks listed in China's A-share market is measured,and the development and status of commercial banks' leverage ratio and leverage ratio supervision are analyzed;then,through theoretical analysis to find the leverage ratio regulation for commercial banks The path of influence of the “Three Natures”;then,based on theoretical analysis,research hypotheses were established and a panel data model was established for empirical analysis,and the results were analyzed;finally,relevant suggestions were made for the research conclusions.The study found that leverage ratio regulation is conducive to improving the safety and liquidity of commercial banks,but it will have an adverse impact on the profitability of commercial banks;leverage ratio regulation affects banks' “Three Natures”.In addition,the study also found that the implementation of the new regulations on leverage ratio regulation has a significant impact on the “Three Natures” of commercial banks.According to the research conclusion of this article,this article recommends that regulators continue to improve the leverage ratio supervision system according to the development of the banking industry and various commercial banks,and conduct differentiated supervision and overall supervision;it is recommended that commercial banks establish a capital supplement mechanism and strengthen asset and liability management to meet Regulatory requirements,while taking measures to mitigate the adverse impact of leverage ratio regulation on the profitability of commercial banks.