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20世纪70年代以来，随着金融业务的全球化和去监管化进程的不断推进，国际银行业面临的风险种类越来越多和风险水平越来越高，若不建立有效的资本管理系统，银行体系的稳定性势必会...
20世纪70年代以来，随着金融业务的全球化和去监管化进程的不断推进，国际银行业面临的风险种类越来越多和风险水平越来越高，若不建立有效的资本管理系统，银行体系的稳定性势必会受到严重威胁。在这样的背景下，银行管理的重点由传统的资产负债管理逐渐过渡为以风险优化为主旨的全面风险管理。此时，银行更加注重的是资本管理和价值管理，资本和风险资产的匹配成为商业银行风险管理的核心问题。
目前看来，国内银行尚处于经济资本管理的初级阶段，与国外先进银行还存在着差距。本文以经济资本为研究对象，全面系统的研究了国际先进银行业与我国商业银行的经济资本管理的实践情况。通过对比，找出了我国商业银行经济资本管理存在的问题和不足之处。最后借鉴国际经验，结合我国商业银行的实际，提出了加强和完善我国商业银行经济资本管理体系的建议。本文研究思路是：
第一章，导言。本章主要介绍了选题的依据，并在综述国内外相关研究成果的基础上提出了本文要研究的内容。
第二章，商业银行经济资本管理的理论基础。主要介绍了经济资本理论和经济资本管理理论，前者包括经济资本的内涵、计量、作用以及与其他资本的比较，后者包括经济资本管理的基本原理、内涵、主要内容、应用范围和作用。
第三章，国际先进银行经济资本管理的实践及经验。首先介绍了国际先进银行经济资本管理的发展概述，接着详细介绍了摩根大通银行、美国银行、花旗银行、汇丰银行、荷兰银行和德意志银行等六家先进银行经济资本管理的现状，最后得出国际先进银行经济资本管理的经验。
第四章，我国银行经济资本管理的实践分析。首先介绍了我国银行经济资本管理的发展概况，接着介绍了泰安市某商业银行经济资本应用现状，最后给出了我国银行经济资本管理实践中存在的问题：1、对经济资本管理理念认识不够深刻；2、经济资本管理的组织机构尚待改进；3、经济资本约束机制的建设相对落后；4、经济资本的计量结果不够精确；5、经济资本管理信息系统不够完善；6、经济资本的绩效考核体系不尽科学。
第五章，完善我国商业银行经济资本管理的策略建议。主要针对第四章发现的问题提出了有针对性的建议：1、加强学习全面树立经济资本管理理念；2、借鉴国外先进经验再造矩阵式组织结构；3、建立稳定有效的经济资本约束长效机制；4、建立健全科学的经济资本计量方法；5、加强经济资本管理信息系统的建设；6、建立科学的经济资本绩效考核体系。 展开
目前看来，国内银行尚处于经济资本管理的初级阶段，与国外先进银行还存在着差距。本文以经济资本为研究对象，全面系统的研究了国际先进银行业与我国商业银行的经济资本管理的实践情况。通过对比，找出了我国商业银行经济资本管理存在的问题和不足之处。最后借鉴国际经验，结合我国商业银行的实际，提出了加强和完善我国商业银行经济资本管理体系的建议。本文研究思路是：
第一章，导言。本章主要介绍了选题的依据，并在综述国内外相关研究成果的基础上提出了本文要研究的内容。
第二章，商业银行经济资本管理的理论基础。主要介绍了经济资本理论和经济资本管理理论，前者包括经济资本的内涵、计量、作用以及与其他资本的比较，后者包括经济资本管理的基本原理、内涵、主要内容、应用范围和作用。
第三章，国际先进银行经济资本管理的实践及经验。首先介绍了国际先进银行经济资本管理的发展概述，接着详细介绍了摩根大通银行、美国银行、花旗银行、汇丰银行、荷兰银行和德意志银行等六家先进银行经济资本管理的现状，最后得出国际先进银行经济资本管理的经验。
第四章，我国银行经济资本管理的实践分析。首先介绍了我国银行经济资本管理的发展概况，接着介绍了泰安市某商业银行经济资本应用现状，最后给出了我国银行经济资本管理实践中存在的问题：1、对经济资本管理理念认识不够深刻；2、经济资本管理的组织机构尚待改进；3、经济资本约束机制的建设相对落后；4、经济资本的计量结果不够精确；5、经济资本管理信息系统不够完善；6、经济资本的绩效考核体系不尽科学。
第五章，完善我国商业银行经济资本管理的策略建议。主要针对第四章发现的问题提出了有针对性的建议：1、加强学习全面树立经济资本管理理念；2、借鉴国外先进经验再造矩阵式组织结构；3、建立稳定有效的经济资本约束长效机制；4、建立健全科学的经济资本计量方法；5、加强经济资本管理信息系统的建设；6、建立科学的经济资本绩效考核体系。 展开
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Since the 1970s, with the globalization of financial services and to monitor the process moves forward, the international banking industry is facing more and more types of risk and increasing the level of risk, if not to establish an effective capital management system, the stability of the banking system is bound to be seriously threatened. In this context, the bank management's focus from the traditional asset-liability management risk a gradual transition to optimize the overall risk management for the subject. At this point, the banks pay more attention to capital management and value management, capital and risk assets to match a commercial bank risk management, the core issue.
Now it seems that domestic banks are still in the initial stage of economic capital management, and advanced foreign banks, there are still gaps. In this paper, the economic capital for the study, a comprehensive and systematic study of the advanced international banking and commercial banks in China the practice of economic capital management. By contrast, China's commercial banks to identify the economic capital management problems and deficiencies. Finally, drawing on international experience, combined with China's commercial banks actually proposed to strengthen and improve the economic capital of China's commercial banks, management system proposal. This research ideas are:
Chapter I, Introduction. This chapter introduces the topics based and international research in the synthesis based on the results of this paper to study the contents.
Chapter II, the commercial banks the theoretical basis of economic capital management. Introduces the theory of economic capital and economic capital management theory, including the economic capital of the former meaning, measurement, function and comparison with other capital, which includes the basic principles of economic capital management, content, main content, scope and role.
Chapter III, the advanced international banking economic capital management practices and experience. First introduced the advanced international development bank's economic capital management overview, followed by details of the JP Morgan Chase Bank, Bank of America, Citibank, HSBC, ABN Amro and Deutsche Bank and six advanced economic capital management, bank status, came to the conclusion of international advanced bank economic capital management experience.
Chapter IV, China's banking analysis of economic capital management practices. Bank of China first introduced the overview of the development of economic capital management, then presented the Tai'an City, a commercial bank economic capital application status, and finally gives the economic capital of China's banking problems in management practice: 1, the concept of economic capital management lack a deep understanding ; 2, the economic capital management organization has yet to be improved; 3, the construction of economic capital constraint mechanism is relatively backward; 4, the results of economic capital measurement is not precise enough; 5, the economic capital management information system is not perfect; 6, the performance of economic capital evaluation system is not science.
Chapter V, China's commercial banks to improve capital management strategy in the economy. The main problems identified for the Chapter made targeted recommendations: 1, to enhance learning and establish a comprehensive concept of economic capital management; 2, re-learn the advanced experience of foreign matrix organizational structure; 3, the establishment of stable and effective long-term economic capital constraints mechanism; 4, establish a sound scientific economic capital measurement methods; 5, strengthen the economic capital management information system construction; 6 establishment of the economic capital of scientific performance appraisal system.
Now it seems that domestic banks are still in the initial stage of economic capital management, and advanced foreign banks, there are still gaps. In this paper, the economic capital for the study, a comprehensive and systematic study of the advanced international banking and commercial banks in China the practice of economic capital management. By contrast, China's commercial banks to identify the economic capital management problems and deficiencies. Finally, drawing on international experience, combined with China's commercial banks actually proposed to strengthen and improve the economic capital of China's commercial banks, management system proposal. This research ideas are:
Chapter I, Introduction. This chapter introduces the topics based and international research in the synthesis based on the results of this paper to study the contents.
Chapter II, the commercial banks the theoretical basis of economic capital management. Introduces the theory of economic capital and economic capital management theory, including the economic capital of the former meaning, measurement, function and comparison with other capital, which includes the basic principles of economic capital management, content, main content, scope and role.
Chapter III, the advanced international banking economic capital management practices and experience. First introduced the advanced international development bank's economic capital management overview, followed by details of the JP Morgan Chase Bank, Bank of America, Citibank, HSBC, ABN Amro and Deutsche Bank and six advanced economic capital management, bank status, came to the conclusion of international advanced bank economic capital management experience.
Chapter IV, China's banking analysis of economic capital management practices. Bank of China first introduced the overview of the development of economic capital management, then presented the Tai'an City, a commercial bank economic capital application status, and finally gives the economic capital of China's banking problems in management practice: 1, the concept of economic capital management lack a deep understanding ; 2, the economic capital management organization has yet to be improved; 3, the construction of economic capital constraint mechanism is relatively backward; 4, the results of economic capital measurement is not precise enough; 5, the economic capital management information system is not perfect; 6, the performance of economic capital evaluation system is not science.
Chapter V, China's commercial banks to improve capital management strategy in the economy. The main problems identified for the Chapter made targeted recommendations: 1, to enhance learning and establish a comprehensive concept of economic capital management; 2, re-learn the advanced experience of foreign matrix organizational structure; 3, the establishment of stable and effective long-term economic capital constraints mechanism; 4, establish a sound scientific economic capital measurement methods; 5, strengthen the economic capital management information system construction; 6 establishment of the economic capital of scientific performance appraisal system.
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