The banking system of china has great vulnerability , which is shown by its large volume of bad asset , low capital adequacy , poor asset liquidity and low profitability 我国的银行体系具有很大的脆弱性，主要表现在不良资产多、资本充足率低、资产流动性差和盈利水平低。
Therefore , i analyzed the problems of bank field emphatically : the capital adequate rate is low , the bad asset proportion is high ; the extent of monopolizing is high , the profit is low 为此，着重分析了银行业存在的问题：资本充足率低，不良资产比例高；垄断程度高，效益低。
The paper starts from the theory basement of the capital ratio supervision , and proves that the mission of capital ratio is to make up for the moral hazard caused by deposit insurance system 首先从资本充足率监管的理论基础入手,论证了资本监管的使命是弥补存款保险制度产生的道德风险。
In the 1980s , international banking capital recognized the importance of risk prevention , introduced the " basel agreement " requiring banks 8 % minimum capital adequacy ratio 20世纪80年代国际银行业认识到资本对风险防范的重要意义,出台了《巴塞尔协议》 ,规定银行的资本充足率最低为8 % 。
At the end of 2006 , the bank said its capital - adequacy ratio slipped by one percentage point to just above 8 % , the lowest level chinese regulators consider safe 国家开发银行此前公布，截至2006年末的资本充足率为8 % ，较之上年下滑1个百分点，这已经站在了中国监管机构规定的资本充足率警戒线上。
It is useful to study the capital adequacy ratio for the state - owned commercial banks regarding the high ratio of bad loans and the opening of china banking industry to foreign banks 在目前不良资产高企不下和中国银行业正在向外资银行开放的背景下，研究资本充足率对国有商业银行具有现实意义。
Formed from the merger last year of two of japan ‘ s four biggest banks ， tokyo - mitsubishi ufj is one of the healthier japanese banks with a capital adequacy ratio of about 12 per cent 三菱东京ufj去年由日本四大银行的两家合并而来，它是日本财务状况较为健康的银行之一，其资本充足率在12 %左右。
Second , since capital ratios are typically calculated on the basis of how risky a bank ' s balance sheet is , the ratings downgrades add to the amount of rainy - day money banks need to set aside 其次，由于资本充足率是在银行资产负债表的风险基础上计算得出的，那些由于评级可能被调低而需要的资金也要留出来以备不时之需。
In the reason of history and mechanism , the rca of state - owned banks in our country is far below the standard in basel agreement , which makes them in an inferior position in international competition 我国四大国有商业银行由于历史和体制的原因，资本充足率远远低于《巴塞尔协议》规定的标准，这在我国加入wto的背景下，明显处于弱势。
