Capital Management of Commercial Banks 1. The composition of capital is divided into the following types; stocks raised capital: By discovering capital raised by stock, stocks mainly have two types of ordinary shares; surplus capital: stock issuance Capital and non-commissioned profits caused by distribution of bonus and function; debt capital: Capital raised by issuance bill bonds, including short-term capital bills (trends) and long-term capital bonds; other: including capital reserves Gold, loan and securities losses; 2. In 1988, Western Tenta Group reached the "agreement on unified international bank capital measurement and capital standards", which is a famous "Basel Agreement"; in accordance with the agreement Division, there are two main clauses: core capital: also called first-level capital, including the receivable stock capital and surplus reserves; subsidiary capital: including ordinary reserve, debt capital tools (bills, bonds) and asset revaluation reserves; 3 Priority: Save, Brewer> Debt Capital Party> Priority Householder> Ordinary Householders; 4. Bank of the commercial bank capital's adequate liabilities operate in an area of the risk of defending asset operations And there are more capital; but on the other hand, it is necessary to maximize bank profits, but also avoid redundant capital, maintain moderate capital quantity; different sources of capital is different for bank operations, various forms The proportion of capital in total is the core issue of commercial bank business management; capital sufficient indicators: capital and deposit ratio (NO); capital and total asset ratio (NO); capital and risk assets (YES);
How to determine sufficient bank capital? There are two main ways, one is to use asset classification ratios, which will be divided into different risk ratios, and assess the required bank capital according to different risk levels; the other is to adopt a comprehensive analysis method, that is, put all banks The activity is based on the analysis of the object. On the basis of comprehensive considering various factors affecting the management of banks; the capital should be maintained; the Basel Agreement stipulates that commercial bank capital adequacy ratio is 8%; the calculation of risk assets: Divide the bank form, out-of-the-art assets and determine the total amount of risk assets based on weighted calculations; 5. Capital management strategy mainly has two ways of endogenous and foreign language: internal source is mainly adopted The method of retaining, the part of the dividend distribution is not involved in the dividend, and the commercial banks adopt this way are mainly small commercial banks; foreign methods: use capital surplus, issued stocks to raise capital This is mainly the way used by large and medium-sized commercial banks;
