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论文编号：	9253
作者编号：	2120142764
上传时间：	2017/6/14 16:53:40
中文题目：	股份制商业银行资本管理问题研究
英文题目：	Joint-stock commercial bank financing problem research - China citic bank, for example
指导老师：	齐善鸿
中文关键字：	股份制商业银行；中信银行；资本管理；资本充足率
英文关键字：	stock-holding commercial banks; China CITIC banks; capital management; capital adequacy ratio
中文摘要：	自2008年金融危机后，银行资本管理的重要性开始得到监管部门的重视，资本管理与银行风险的关系也有了全新的认识。为了更好的监管银行资本，规避银行风险，2010年监督管理委员审时夺势推出巴塞尔协议III。2012年我国在此基础上结合我国实情颁布了《商业银行资本管理办法（试行）》。在《商业银行资本管理办法（试行）》中重新划分了商业银行资本的分类，同时进一步强化了被监管银行资本的相关要求。《商业银行资本管理办法（试行）》的颁布给上市银行带来更大的资本压力。由于不同银行的风险资产结构与规模存在差异，各家银行除了制定符合监管标准的资本充足率目标之外，还要结合自己身情况，对如何到达目标进行规划。资本金是商业银行为从事经营活动首先要注入的资金，拥有充足的资本金，能保障商业银行的经营与发展，也能满足监管机构的监管标准，促进金融体系稳定发展。 此本文首先交待了选题意义以及基本论文框架等问题。其次，详细的综述了当前国内外已经形成的相关理论、依据，并在此基础上深刻剖析了我国股份制银行发展现状和资本管理特点。结合案例研究法，深刻剖析了中信银行股份资本管理方式，最后重点提出了多元化的发展建议。 近年来资本充足率在银行发展中的重要程度，逐渐呈现支柱化、多样化的发展特点，研究我国股份制商业银行资本管理问题对于提高资本充足率具有重要的意义，同样的这也有利于全方位提升银行效率。 关键词：股份制商业银行；中信银行；资本管理；资本充足率
英文摘要：	Since the financial crisis in 2008, regulators have begun to pay attention to the importance of bank capital management, and a new cognition of the relationship between capital management and bank risk is produced. In order to better regulate the bank’s capital and avoid bank risk, the supervision and management committee seized the initiative to launch Basel Capital Accord III in 2010. On that basis, according to its actual situation in 2012, China promulgated the “Approach to Capital Management in Commercial Bank (Trial)” which redefines the capital classification of commercial banks, further strengthens the supervision requirements of bank capital. Meanwhile, the promulgation of the “Approach to Capital Management in Commercial Bank (Trial)” brings greater capital pressure to the listed banks. Due to the variance of different banks’ scale and risk assets structure, in addition to setting the capital adequacy ratio target in line with the regulatory standards, the banks should also plan how to reach the target in the light of their own situation. Capital fund is the first capital injection when a commercial bank engages in business activities. An abundant capital fund can not only safeguard the operation and development of commercial banks, but also meet the regulatory standards and promote the stable development of the financial system. This paper firstly describes the meaning of the topic, the basic thesis framework and other issues. Secondly, it summarizes the relevant theories and evidences that have been formed at home and abroad in detail, and then it analyzes the development state and capital management of China’s stock-holding banks. Combined with the case study method, the paper profoundly analyzes share capital management of China CITIC Bank, and finally puts forward suggestions about its diversified development. In recent years, the capital adequacy ratio in the development of the bank industry gradually shows a pillar, diversified development. Therefore, to study the capital management of China’s stock-holding commercial banks which improves the capital adequacy ratio as well as conducive to improve bank efficiency in all directions is of great significance.
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