巴塞尔新资本协议明确提出了银行的资本充足率要求，规定了计算方法以及监督检查和信息披露要求。

Basel capital Accord puts forward a claim of banking capital adequacy ratio, regulates computing method, and requirements for supervision and information leaking.

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杨凯生表示，他的估算是基于当前11.5%的资本充足率要求、今后五年年均12%的净利润增幅和年均15%的贷款增幅。

Mr Yang said his estimate was based on the current required capital adequacy ratio of 11.5 per cent, net profit growth of 12 per cent and loan growth of 15 per cent over the next five years.

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至于其他没有达到要求的银行，在这样一个信贷已经不足的时期，立即强制要求它们提高资本充足率可能只会阻碍它们对企业放贷。

As for other Banks that don't, imposing higher capital ratios on them immediately might only discourage them from lending money to businesses, at a time when credit is already scarce.

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