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。

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.

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水分和施肥以及其交互作用均影响了青海杨的生长、形态和生理特征。

Watering, fertilization and their interaction affected the performance of P. przewalskii cuttings in growth, morphology and physiology properties.

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