It not only helps to reduce the slow assets rate of the financial institution in china , and improves their own competition , but also is favorable to the reform of the investment and financing system and the adjustment of economic structure in china 这不仅有利于降低我国金融机构的不良资产比率，提高它们自身的竞争能力，而且有利于我国投融资体制改革和经济结构的调整，夯实我国的金融基础，完善金融体系。
Though this system has already got some effect , while after we thoroughly analyzed into statistic data , it has limitation in treatment efficiency , mainly in the ratio of nonperforming assets has been still high , little effect has been achieved by debt to share 虽然这一制度安排取得了一定的成效，但从统计数据的深入分析看来，在处置效率上存在着缺陷，主要表现在不良资产比率未得到根本性好转、债转股成效不尽人意等方面。
The basel agreement was formulated by a committee commissioned by the bank for international settlements to coordinate and standardize bank capital adequacy globally by relating the risk of a bank ' s operations to its capital needs 巴塞尔协议是巴塞尔银行监管委员会发布的一系列规范银行监管问题的文件，是国际银行业的国际规范和准则，其核心内容是引进风险资产比率的概念，同时通过控制和提高资本在风险资产中的适当比例来保证银行经营的稳定性。
On the other hand the opening of four great banks will turn the brittleness of the bank worse , causing the payment crisis of four great bank , threatening financial safety . the littleness of four great banks lies in such three aspects as high ratio of bad asset , low amplitude of funds and low profit 目前四大银行的系统性风险突出表现为不良资产比率高、资本充足率低和利润率低这三个问题，外资银行竞争的加剧使这些问题的解决显得更加紧迫和困难。
Chinese banking system is in the transition period of turning to market economy and regulated operation . because of high unfavorable asset rate existed in our commercial banks , the bank system is in the state of high risky operation , therefore china sustained development and social stability has been greatly affected 我国商业银行当前正处在向市场化、规范化运作的转型时期，由于我国商业银行不良资产比率长期居高不下，银行一直处于高风险运营状态，严重影响了我国金融的可持续发展和社会稳定。
The empirical analysis of data from five selected banks suggested that blr adjustments are largely determined by fed funds target rate fftr adjustments ; changes in liquidity conditions ; the blr - based liability - to - asset ratio of individual banks ; and the level of disequilibrium among blr , fftr and the risk premium of the hong kong dollar relative to the us dollar 5间银行的数据进行的实证分析显示，最优惠贷款利率的调整决定因素大致上为：联邦基金目标利率目标利率的调整流动资金状况的变化个别银行以最优惠贷款利率计价的负债与资产比率负债与资产比率，以及最优惠贷款利率目标利率及港元相对美元的风险溢价之间的失衡程度。
