第3章：我国商业银行发行次级债的实践。
我国商业银行资本充足率的现状和发展趋势预示着次级债的发行将呈上升趋势。
The current situation and trend of commercial Banks' Capital Adequacy Ratio level indicate that SND issue work will increase.
并提出了建立和完善信用评级体系来规范我国商业银行次级债发行，保护投资者利益的一些建议和措施。
The author made some suggestions about how to build the perfect the rating system in banks of our country, which was to reduce the risk in SND issue and protect the behalf of investors.
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