基于CAMEL评级体系的国内外商业银行经营绩效比较(国外英文).docVIP

基于CAMEL评级体系的国内外商业银行经营绩效比较(国外英文资料) Comparison of operational performance of commercial banks at home and abroad based on CAMEL rating system [Abstract] this paper mainly through the related content of CAMEL CAMELS Rating System at home and abroad for the two banks 2009-2011 three annual business performance, the capital adequacy ratio, asset quality, management level, profitability and liquidity of the five aspects of a comprehensive comparative analysis. In order to find out the differences between our commercial banks and foreign commercial banks, and put forward suggestions for the development of commercial banks in China according to the current international financial environment. [Key words] commercial banks; CAMEL rating system; operating performance I. Introduction Commercial bank is a special enterprise dealing with financial assets and liabilities. Its main business is to pursue profits through operating risks. Therefore, reducing risk and strengthening supervision is one of the keys to commercial bank management. Chinas banking industry is in a period of change to international standards, it is necessary to set up new banking regulators to absorb international advanced supervision, supervision system, supervision means and methods of regulation, strengthen the financial supervision in China in accordance with the law. The CAMEL rating system is a unified standard to use the U.S. regulatory authorities to conduct a comprehensive assessment of the operating status of the commercial bank, the official name is the federal supervision institutions internal unified bank rating system, the assessment index covers bank liquidity, safety and profitability of the business purpose of the most critical, because of its effectiveness. The rating system has been adopted by most countries in the world. China CBRC in 2006 promulgated commercial bank supervisory ratings internal guidelines, the CBRC said that the regulatory rating of commercial banks in China should learn f