Analysis of Bank’s Behavior on Capital Adequacy Supervision and Capital Idiosyncrasy
Bibliographic record
Abstract
Capital adequacy supervision is the main trend of the current global finance supervision. This paper, based on the evaluation of the related reference papers, had constructed a utility function of commercial bank, introduced inter-period return and interest rate to discuss the influence of capital idiosyncrasy to commercial bank’s risk preference and credit scope through portfolio management theory, and also come up with some suggestions to the in-depth reform of China's commercial bank. This paper believes that the bank with different capital idiosyncrasy will represent different actions and options while facing the same capital adequacy requirement. So, it might not be enough to be adapt with restriction index of Basel Accord passively, the key point of introducing capital supervision system of our commercial banks is to improve the related banks' capital idiosyncrasy and undertake deeper reforms. Key words: Capital Constrain, Capital Idiosyncrasy， Risk Preference, Lending Behavior Resume: La supervision adequate capitale est la principale tendance de celle de la finance mondiale actuelle. Cette memoire, basee sur l’evaluation des memoires referentielle connexe, avait construit une fonction utile de la banque commerciale, introduite le retour de l’inter-periode et le taux d’interet afin de discuter de l’influence de l’idiosyncrasie capitale pour la preference risquee et les possibilites du credit de la banque commerciale par la theorie de la gestion de portefeuille, et aussi de fournir d’idees la reforme en detail de la banque commerciale de la Chine. Cette memoire croit que la banque avec differentes idiosyncrasies capitales representera differentes actions et options en faisant face a la meme condition adequate capitale. Aussi ne peut-elle pas etre suffisant d’etre adaptee avec un index restreint de l’accord Bâle passivement, le point cle de l’introduction du systeme de la supervision capitale de nos banques commerciales est a ameliorer l’idiosyncrasie capitale de la banque connexe et a entreprendre les reformes profondes. Mots-Cles: contrainte capitale, idiosyncrasie capitale, preference risquee, comportement dirigent
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How this classification was reachedexpand
Full frame machine prediction
Teacher imitationNot calibrated prevalence, not ground truth. Human validation pending. The Gemma side is a direct model label for every work in the frame, read from the title-only record. The Codex side is a classifier learned from the 10,348 direct Codex labels and calibrated to design-weighted sample rates; fields without enough sample support carry no Codex call. Candidate is the union of the two sides; consensus is their intersection. These outputs are machine_predicted_unvalidated and are not human labels.
Distilled classifier scores by category (both heads)
| Category | Codex | Gemma |
|---|---|---|
| Metaresearch | 0.002 | 0.012 |
| Meta-epidemiology (narrow) | 0.000 | 0.000 |
| Meta-epidemiology (broad) | 0.000 | 0.000 |
| Bibliometrics | 0.000 | 0.001 |
| Science and technology studies | 0.000 | 0.000 |
| Scholarly communication | 0.001 | 0.001 |
| Open science | 0.000 | 0.000 |
| Research integrity | 0.000 | 0.000 |
| Insufficient payload (model declined to judge) | 0.002 | 0.000 |
Machine scores (provisional)
The two teacher heads of the student model, read on this work. A score orders the frame for review; it never asserts a category, and the validation status ships verbatim with every row.
Baseline scores from an immature model (maturity gate not passed, 7 training rounds). Scores rank; they never assert a category.
score_only:v0-immature-baseline · verbatim from the scoring run: score_only means the number may rank works, and no category label ships from itClassification
machine, unvalidatedMachine predicted; a candidate call from one source (direct Gemma or distilled Codex), not a consensus.
How this classification was reached, model by model and score by score, is at the end of the page under "How this classification was reached".