资本计量在银行管理中的应用浅析(国外英语资料).doc

资本计量在银行管理中的应用浅析(国外英语资料) Application of capital measurement in bank management 1, the main role of economic capital management Economic capital is a comprehensive reflection of the actual situation of the effective tool for risk management of the bank, the use of internal bank, is all the risk of venture capital based on the above, to make up for the banking business activities generated by the non expected losses. Its function is mainly embodied in: 1.1, strengthen the sense of capital restraint and enhance the independent market consciousness The management of economic capital strengthens the sense of capital restraint and cost consciousness of banks, and is a fundamental change in the mode of banking management. With the implementation of the new capital agreement, Chinas regulatory authorities will be more stringent restrictions on bank capital, banks will face market capital return requirements will be further improved. With the introduction of the economic capital management system and application in China is also supporting the construction of the management system, promote the bank to change the management idea, to strengthen the main bank independent market awareness, promote our construction to become adequate capital, strict internal control, safe operation, good service and efficiency of modern financial enterprise goal. 1.2, improve risk management consciousness, improve fine management level In order to implement strategic management and win market competitive advantage, banks should start with comprehensive measurement and monitoring of risk status. Economic capital management can enhance the banks overall risk awareness, through the allocation of economic capital and risk capital matching management, support of bank development and its business model to match the risk measurement techniques and models, so as to enhance the risk management level of domestic banks. 1.3, improve the banks scientific decision-making and product pricing capabilities, mark