同时，零售银行业务和中间业务占比低，非资本占用业务、资本占用较少的业务规模小，甚至多处于起步阶段。

Meanwhile, the retail banking business among clients and low occupancy non-capital operations, less capital occupy small business, and even more in its infancy.

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图书出版占用的资金多，资本回收难，市场寿命短、风险大。

The occupation of funds for book publishing is large, while the capital recovery is difficult; the market life circle is short and with big market risk.

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为了规划与中国经济持续增长相适应的人力资本需求，建立了一个新颖的考虑资本闲置的多年时滞投入占用产出模型。

In light of project of human capital demand in favor of sustainable development, a new multi-year lag input-holding-output model with excluding idle capital is developed.

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