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pervision on Operational Risk 45
2.7.6 Supervision on Liquidity Risk 46
Chapter 3 China’s Banking Reform 49
3.1 Introduction 49
3.2 The Reform of Banking Industry in China 49
3.2.1 The First Stage 49
3.2.2 The Second Stage 51
3.2.3 The Third Stage 52
Chapter 4 Research Method 58
4.1 Introduction 58
4.2 Research Methods 58
4.2.1 Quantitative Method 58
4.2.2 Qualitative Method 58
4.3 Data Collection 60
4.3.1 Primary Research 60
4.3.2 Secondary Research 60
4.4 Research Design 61
4.4.1 Interview Design 61
4.4.2 Questionnaire Design 63
4.5 Sampling Strategy 66
4.5.1 Interview Sampling Strategy 66
4.5.2 Questionnaire Sampling Strategy 67
Chapter 5 Result Analysis and Discussion 69
5.1 Introduction 69
5.2 Interview Results 69
5.2.1 Industrial and Commercial Bank of China 69
5.2.2 China Construction Bank 73
5.3 Questionnaire Results 75
5.3.1 Reliability Test 75
5.3.2 Validity Test 76
5.4 Discussion 79
5.4.1 Discussion on Interview Results 79
5.4.2 Discussion on Questionnaire Results 80
Chapter 6 Conclusion 82
6.1 Main Conclusions 82
6.2 Managerial Implications 83
6.3 Limitations 83
6.4 Suggestion of the Future Research 83
Chapter 7 Reference 84
Appendixes 95
Appendix A 95
Appendix B 96

 

Chapter 1 Introduction
1.1 Academic Context and Background
This dissertation will emphasize on two basic questions including which changes Basel II brings to banks on the standards and criterions of risk management and how these changes of Basel II influence the risk management of Banking in China.
Basel II developed and revised mainly by Bank for International Settlements (BCBS) is based on Basel I in 1988. The main purpose of Basel II is to plan and promote the international standardized financial risk management system to improve the capability of financial risk management (BIS, 2004). Although BCBS released this new Basel framework in 2004, the severe problems and issues on risk management in American financial system resulted in more than 100 U.S. banks declared bankrupt during the process of Subprime Crisis. The New Basel capital Accord offers by far the most important risk management principles for the global finance industry. In light of the present condition of the financial industry in China, the Accord poses a tall challenge for China to implement it.
From the perspective of global, there are more and more banks and insurance companies and other financial institutions getting into serious trouble. It is necessary to discuss and indicate that how Basel II influence risk management of banking in China. During the period of the implementation and development of Open Door Policy in China, banking reforms are considered as the most significant role in economic transformation from a traditional planned economy into a market-based economy (Mo, 1999). In terms of some aspects, such as loan provisioning policy, banks in China have been not sufficiently implemented and applied. Under the new environment of risk management, banks in China have experienced the challenges of risk management. Risk management is considered as the most confused item full of conflict between the relevant theories and practice (本论文由英语论文网提供整理，提供论文代写，英语论文代写，代写论文，代写英语论文，代写留学生论文，代写英文论文，留学生论文代写相关核心关键词搜索。