【正文】 t reflect its actual risk that undertaken and the safety of American bank system, with may encounter damage steadily. New capital agreement can will carry out connection for the risk of large scale bank that superintendency capital asks to undertake better with it , and can promote risk management develop further. New capital agreement establishment the risk of highest bank organization in plex level measure the practice foundation of the dangerous management of soft breeze over, and have offered the power of continued improvement. Through establishing a frame in bank trade circle unified enforcement, new capital agreement can help to superintend , is more easy to discover capital with risk level not appearance adaptive bank, and in bank system, latent risk carries out overall assessment.New capital agreement has 3 big pillars. Under the first column, the risk susceptibility of minimum capital requirement will be higher than current capital agreement. Risk sensitivity strengthen needs pass will every superintendency capital requirement of bank organization with for its credit and operating risk shi certificate measure appearance connection e to realize. On certain level for risk measure needs pass through the estimated risk parameter of bank ( LGD or PD such as a loan ) determine , and carry out estimated method should accord with superintendency standard and guidance , and verify through superintending the authorities. The risk parameter that bank uses should with its actual appearance used in internal risk management consistent, and have enlarged to assure , is credit to derive tool with asset bond the risk that melts postpone Shi effect, for bank for rushing credit risk have offered just to encourage , and will operate risk to fit into the first column, this has reflected that operating fault is being the important latent risk that bank is faced with. Second pillar has offered consistent frame to superintend the improvement of the authorities for the capital superintendency of the adequate rate dangerous management of soft breeze. Bank should possess enough capital , should include for the risk owned that is faced with loan concentration risk, the risk of interest rate and the mobility risk in the first column that does not be concerned with. Though now American bank superintendency the authorities will already evaluate bank capital adequate rate is daily inspection the part of program, but under the frame of new capital agreement benifit in the more information of the first column,。s customer of publishing stock expose the 3th equation order etc. that analyse is also important model. To realize monitoring and protect the safe and steady duty of financial trade superintend the authorities pay attention to the development of steady risk management measure highly, and promote trade circle with extensive and consistent way implement. From 20 century in the middle of 90 decade since, it will inspect the important position part of program as the assessment of financial standing and bank risk management ability is if America unites to store up superintendency people. For 2005 years the risk management quality of menting level system for every pany for bank holding pany that revised metropolis carry out special ment level, when menting level, will be concerned with the program and limit management and policy that good pany administers and coordinates , proper risk weights and measures technique and perfect risk report system as well as the overall key essential factor of this 4 builtin control risk managements. The development of risk management practice has produced great influence for bank superintendency. In 20 century 90 decade since, bank superintendency the authorities beginning emphasize for risk before Zhan sexual analysis, and pay attention to bank whether have proper infrastructure management risk. Superintend the authorities not satisfy again in seek the source of problem afterwards, and beginning is key to pay attention to the possible business field that brings biggest risk to bank organization, and work for in bank financial standing worsen former discovery the leak of its management and builtin control. The core of modern bank inspection is distinguished for bank , the quality of the program of management risk and inspection as well as the internal model of definite economic capital evaluate. It is considered that America unites to store up, powerful risk management system and adequate capital level for ensure the safe and steady operation of unitary bank organization most important, and the safely steady operation of unitary organization is helpful to raise the stability of financial system. In 1988 capital agreement have established a very important principle, superintend capital requirement should with risk is related. But financial campaign and the advance of risk management means the raising of plex level make countries superintendency the authorities beginning look closely at current capital agreement frame again the reasonability of next superintendency capital standard. Superintend the authorities consistently think , for the bank organization of higher large scale and plex level, under current capital agreement frame, with the rough way practice that determines different classification asset risk weight , is hard to more and more satisfy the risk for that it undertakes and the reasonable capital horizontal needs that evaluated。 Along with the development of risk trade technology, mercial bank adopts positive risk management strategy more , seeks the asset bination of the best. Silver group loan, loan business and credit derive product and bond melt the development of etc. financial tool, the initiative that makes bank in the aspect of credit risk management rises obviously, can can manage better the risk factors such as concentration degree, continued issue and credit scale that debtor makes up with asset. Now bank for maintenance c