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This thesis uses the method of comparison between national banks and international banks, earlier period and current period. From the practice of national bank, I try to find out the way to solve the problem.Chapter 1 introduces the conception and theory of capital adequacy supervision and analyzes the effectiveness of capital adequacy supervision in China State-owned Commercial Banks. Chapter 2 states the content of the New Capital Record and compares the difference between the New Capital Record and the Basle Capital Accord. Chapter 3 and Chapter 4 are the keystone of the thesis.Chapter 3 analyzes the challenge in the frame of the New Capital Accord, which the China State-owned Commercial Banks will face in the management ofcapital adequacy, include the low capital adequacy rate, the faulty internal rating basic system,absence of quantifying the market risk and operation risk.Chapter 4 provides the suggestions to solve the above problem in the management of capital adequacy.