Zheng Yin: Thank you very much, Ma 'am. And I need to go back into my memories to such, search for such kind of person.

政音：我非常感谢这位女士。我得搜索我的记忆去寻找这样的一个人了。

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This paper provides a study of Ma Yin-chu's bank capital outlook and presents a discussion on how a modern bank enhances capital management so as to exercise risk management.

我们通过对马寅初先生关于银行资本观的研究，探讨现代银行如何增强资本管理意识，以加强资本管理实现风险管理。

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