Capital Management System
01.
Risk-Weighted Asset Measurement System
Risk-Weighted Asset Measurement System
The system can convert the existing data of the bank to into compliant data set, complete the calculation of the capital adequacy ratio and generates various reports and analysis functions ruled by supervision, which is due to the construction of the risk-weighted asset measurement platform. After finishing the above operation, the following capabilities can be achieved, the measurement and monitoring abilities, various application capabilities (such as retrospective audits, simulation tests, etc.) that meet the regulatory requirements, the compliance schedule cooperating with the bank, providing various data and application support for regulatory compliance, and ensuring the technical characteristics of the operating system, such as high performance, high availability, maintainability, ease of use, security and scalability.
02.
Capital Management System
Capital Management System
A systematic implementation of capital management related tools has been realized, including economic capital measurement, capital planning, capital allocation and capital monitoring, based on the rules of the China Banking Regulatory with the implementation of the new capital agreement for commercial banks. Capital planning forecasts the available capital and capital demand for the next three to five years by inputting basic information such as capital adequacy ratio targets, business operation plans, and capital instruments. Capital allocation is a process by which banks allocate scarce capital rationally. Capital monitoring includes monitoring of internal capital adequacy ratio and daily capital management, establishing of a dynamic monitoring system and early warning mechanism, regularly monitoring changes in capital leveland capital adequacy, and pre-warning as soon as possible based on capital adequacy monitoring, to take corrective actions in time according to demands.
03.
Large-Amount Risk Exposure System
Large-Amount Risk Exposure System
The large-amount risk management exposure system involves all of the banks’ asset business. From the perspective of the banks’ credit and market risk management, the system puts forward management and measurement requirements from customer concentration risk. In accordance with the measurement requirements of the Guidelines on Supervision over Large Risk Exposures, this product aggregates bank customers and account-related data, segregates risk exposure, mitigates qualified identification and distribution, and identifies, measures, monitors, and prevents large-amount risks. It supports the construction of real-time interfaces with unified credit-granting systems to meet banks’ credit management requirements for customers.
