资本金充足率是指资本总额与加权风险资产总额的比例。资本充足率反映商业银行在存款人和债权人的资产遭到损失之前，该银行能以自有资本承担损失的程度。
由于一系列的坏账，银行的资本金充足率一步步减少。
The bank's capital ratio was being steadily depleted by a torrent of bad debts.
委员会上调银行业最低资本金要求至7%，而普通股要求自2%上调逾两倍至4.5%，资本金充足率因此额外上调了2.5%。
The committee raised the minimum capital requirements for Banks to 7%. The common equity requirement has more than doubled from 2% to 4.5% with an additional 2.5% capital conservation buffer.
资本金来源渠道狭窄，未能建立起动态的可随时补充资本金的良好机制是中国商业银行资本充足率偏低的主要原因。
Narrow capital sources and lack of an operational dynamic mechanism that can readily replenish capital are considered the main cause of low capital adequacy in Chinese commercial Banks.
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