More on risk management , and let me go beyond the technical aspects of the risk - based capital adequacy requirement for banks and talk about the role of the financial authorities in risk identification and assessment 今周还是不离风险管理这个题目，但我想避开较为技术性的银行风险为本资本充足比率不谈，改谈金融监管机构在辨识及评估风险方面的角色。
Deposit insurance is also quite common now and so deterioration in the quality of the loan book of a bank with low capital adequacy is less likely to undermine the confidence of depositors and lead to a banking crisis 此外，存款保障制度现已颇为普及，因此当某一间银行资本充足比率低而贷款质素又变差时，存户信心受到动摇以致触发银行危机的可能性将会较小。
In 1997 one foreign bank and one deposit - taking company failed to meet the liquidity ratio under section 102 and one restricted licence bank failed to meet the capital adequacy ratio under section 98 of the ordinance 在一九九七年内，有一家海外银行和一家接受存款公司未能符合该条例第102条规定的流动资金比率，另外有一家有限制牌照银行未能达到条例第98条的资本充足比率。
The concept of the car is actually quite simple , although the details , having undergone many years of development and refinement , are quite demanding even for experts specialising in risk management . this is how it works 尽管经过多年来的不断发展，资本充足比率已变得非常精细繁复，连风险管理专家也要特别用心才能掌握有关的细节，但其实资本充足比率本身的概念是颇为简单的。
Adoption of the basel committees policy on innovative capital instruments providing background information on the hkmas adoption of the policy of the basel committee on banking supervision on innovative capital instruments for capital adequacy purposes 采纳巴塞尔委员会的创新资本票据政策阐释金管局采纳巴塞尔银行监管委员会就计算资本充足比率所建议的创新资本票据政策的背景资料。
The rules are to prescribe how the capital adequacy ratio of locally incorporated authorized institutions shall be calculated and what information on the state of affairs , profit and loss and car shall be publicly disclosed by authorized institutions 这些规则订明本地注册认可机构须如何计算资本充足比率，以及认可机构须公开披露哪些有关其事务状况利润与亏损及资本充足比率的资料。
The hkma has revised its capital adequacy framework to bring it in line with the amendment to the capital accord made by the basle committee in july 1994 that broadens the recognition of bilateral netting for capital adequacy purposes 金融管理局已修订其资本充足比率制度，以符合巴塞尔委员会在一九九四年七月对资本协定作出的修订有关修订扩大就资本充足比率要求的双边净额结算的认可范围。
An important milestone was reached this week with the commencement of the statutory consultation on the draft banking capital rules , which set out how locally incorporated ais capital adequacy ratios will be calculated from january next year 本星期银行业资本规则草拟本开始进行法定谘询，令这方面的工作迈进重要里程。这套规则订明本地注册认可机构于明年1月起计算资本充足比率应采用的方法。
Among the tools used in other jurisdictions were higher capital adequacy requirements during upswings and lower capital adequacy requirements during downswings , and dynamic provisioning requirements to provide for greater loan provisioning during downswings 其他地区曾使用的工具包括在经济增长期调高资本充足比率要求在衰退期则调低资本充足比率要求，以及弹性拨备政策以便在衰退期增拨贷款准备金。
