自有资本占比低这一特点决定了商业银行具有较强的内在风险性。
The low capital ratio feature has determined commercial banking itself having higher tendency of inherent riskiness.
他们所持股权占一级资本的百分比由50%以下变动至60%以上（见表）。
Their shareholdings as a percentage of tier-one capital range from just below 50% to above 60% (see chart).
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.
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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