2021•OSF Preprints (OSF Preprints)Requires access

THE CAPITAL OF A COMMERCIAL BANK AS A GUARANTEE OF BANK STABILITY

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Abstract

The article is devoted to the problems of forming the capital of a commercial bank, its functions and the importance of determining the reliability of the bank among customers. Since the confidence of bank depositors is an indicator of the reliability of the entire banking system, control over the amount of the bank's own capital is carried out by government agencies. The article also presents the main indicators characterizing the liquidity and financial stability of the bank. The term "capital adequacy" is studied and the algorithm for its calculation is considered. Capital adequacy is an important category of financial stability of a commercial bank, the size of which reflects the bank's ability to withstand risks, the overall efficiency of banking activities.

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Key concepts: Business, Capital adequacy ratio, Reliability (semiconductor), Capital requirement, Chinese financial system, Bank rate, Market liquidity, Capital (architecture)