Capital adequacy ratio management trends and commercial bank recapitalization _1134
Capital adequacy ratio management trends and commercial banks to add capital
Expansion of scale to improve the banks current profits, resulting in higher individual salaries. Second, to establish smooth channels for foreign capital supplementary source of financing for capital within a long-term dynamic added exogenous rapid increase in short-term financing is the main way of capital. Commercial banks can issue shares, convertible bonds, preferred stock, subordinated debt and other securities, or the introduction of strategic investors to raise capital. But China's securities market due to institutional reasons, can not effectively play the role of its financial resources, and because of the limited market capacity. Making the financing of the stock market are less likely. Our large state-owned commercial banks and joint-stock commercial banks, to overseas markets is straightforward and quick to add the channels of capital, both supplemented the capital, added to the external constraints, to improve corporate governance, which improve profitability in the long term. Third, improve risk management,UGG España, assets structure adjustment, reducing the proportion of high-risk assets, by improving risk management, assets structure adjustment to reduce the riskiness of assets is an important measure to reduce the risk assets. Commercial banks should reduce the general corporate loans and loan guarantees high-risk assets ratio, increase in personal housing mortgage loans,nike air max, secured loans,nike shox, business loans and other public low-risk assets ratio, positive development of intermediary business. To ensure that a certain amount of assets to lower the level of risk assets, thereby enhancing the capital adequacy ratio, capital has played a complementary role. Fourth, the development of asset securitization and other innovative tools, dramatically reducing the asset size of compression assets, can increase the capital adequacy ratio, play a complementary role of capital. With the expansion of our economy, direct compression assets is unlikely. The use of asset securitization and other innovative tools can be a large number of financial assets off its balance sheet. Commercial banks to improve liquidity. Decline in asset size will increase the capital adequacy ratio. In the daily management of the capital, commercial banks should be prepared to capital planning, asset expansion, risk control SUeD recapitalization of the question,New Balance 993, to balance,oakley sunglasses, to avoid excessive expansion of assets. And the use of stress testing to assess the economic or industry downturn, market risk and liquidity events change on the negative impact of bank risk exposure, on the basis of capital adequacy ratio will remain at a healthy level. While establishing monitoring and early warning mechanisms, the establishment of early warning indicators of point and trigger points, dry warning when the capital adequacy rate point to stop the payment of dividends to reduce the rate of expansion and other assets to supplement the capital of moderate means, when the indicators below the trigger point take other drastic measures to supplement the capital. ��
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