Dissertation Submitted to
Hebei GEO University
for
The Master Degree of
Business Administration
Research on improving capital adequacy of Handan bank
by
Hongguang Li
Supervisor: Prof. Jugang Zhang
Associate Supervisor：Aiping Zhang
December 2021

摘要
近几年，随着《巴塞尔协议Ⅲ》的实施和我国金融监管体系改革的深入推进，我
国城市商业银行在补充资本金方面的压力日益增大，部分城市商业银行因此面临较大
的信用风险，防风险、控不良成为摆在城市商业银行面前的最大挑战。邯郸银行作为
地区性城市商业银行，近年来发展较为平稳，但资本金不足问题较为突出，急需探索
出合理路径，扩大资本金来源，充实资本金规模，实现可持续发展。
文章采取比较分析法、实地调查法和案例分析法等方法，通过对邯郸银行资本管
理现状进行分析，找出邯郸银行资本管理存在的问题，邯郸银行近几年监管指标符合
监管要求，但未能呈现稳定上升的趋势，核心一级资本充足率和一级资本充足率近三
年低于 10%，补充资本渠道单一。邯郸银行可借鉴中原银行、齐鲁银行、河北银行补
充路径，结合自身实际，从分子路径、分母路径和非常规路径三个方面，抓住北京证
券交易所设立契机，谋求上市后，发行优先股，还可以尝试可减计和可转换一级资本
债券来补充其他一级资本,并从增量控制、存量处理两方面，加强资产管理，降低风险
暴露，从而降低风险加权资产总量，也可在时机成熟后，尝试与邢台银行合并，提升
整体竞争力。此外，为了保障邯郸银行资本充足率提高举措落到实处，文章从转变经
营理念、调整业务结构、整合股权结构、拓宽补充资本渠道、健全风险控制机制和提
升金融创新能力等方面，提出邯郸银行提高资本充足率的保障措施。
关键词：城商行；资本充足率；巴塞尔协议Ⅲ；可持续发展
I

ABSTRACT
With the implementation of Basel III and the in-depth promotion of the reform of
China's financial regulatory system, China's urban commercial banks are under increasing
pressure to supplement capital. Therefore, some urban commercial banks are facing greater
credit risk, risk prevention Controlling bad debts has become the biggest challenge for city
commercial banks. As a regional urban commercial bank, Handan bank has developed
steadily in recent years, but the problem of insufficient capital is more prominent. It is
urgent to explore a reasonable path, expand the source of capital, enrich the scale of capital
and realize sustainable development.
By using the methods of comparative analysis, field investigation and case analysis,
this paper analyzes the current situation of capital management of Handan bank, finds out
the problems existing in capital management of Handan bank, The paper concludes that the
regulatory indicators of Handan bank in recent years meet the regulatory requirements, but
fail to show a stable upward trend. The core Tier-1 capital adequacy ratio and Tier-1 capital
adequacy ratio are less than 10% in recent three years, and the supplementary capital
channel is single. Handan bank can learn from the supplementary path of Zhongyuan bank,
Qilu bank and Hebei bank, combined with its own reality, seize the opportunity of the
establishment of Beijing stock exchange from the three aspects of molecular path,
denominator path and unconventional path, seek to issue preferred shares after listing, and
try to supplement other tier 1 capital with deductible and convertible tier 1 capital bonds,
and from incremental control In terms of stock handling, strengthen asset management and
reduce risk exposure, so as to reduce the total amount of risk weighted assets. You can also
try to merge with Xingtai bank when the time is ripe to improve the overall
competitiveness.In addition, in order to ensure the implementation of the measures to
improve the capital adequacy ratio of Handan bank, this paper puts forward the guarantee
measures to improve the capital adequacy ratio of Handan bank from the aspects of
changing the business philosophy, adjusting the business structure, integrating the
ownership structure, broadening the channels of supplementary capital, perfecting the risk
control mechanism and improving the ability of financial innovation.
Key words: City Commercial Bank; Capital adequacy ratio; Basel III; sustainable
development
III
。。。以下略