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.

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。

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Working capital loans are those that are most closely associated with the current consumer unsecured loan market.

营运资本贷款是同目前消费者无担保贷款市场最为息息相关的一种贷款。

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Through floats a loan the current liabilities to meet the working capital need massively, reduces enterprises fund cost.

通过大量举借短期负债来满足营运资金需求，降低企业的资金成本。

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