四大国有商业银行的现状是低的资本充足率，不容乐观的流动性比例，低的资产收益率和高的不良贷款率。

Four large state-owned commercial Banks are involve in the problems as follows low capital adequacy ratio, low liquidity ratio, low assets revenue ratio and high bad loans.

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这座城市一直以来都有大量的外国出生人口（1990年比例为26.5%），进一步增强了人口多样性。哈佛大学和伯克利大学的经济学家认为，这预示着良好的流动性。

The city had a large foreign-born population (26.5 percent in 1990), leading to broader diversity, which, the Harvard and Berkeley economists say, is a good predictor of mobility.

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花旗银行已经恢复了稳固的财政基础，第一普通股权比例达到9.7%，高于大部分同行业者，还有充足的流动性。

The bank is back on a solid financial foundation, with a higher Tier-1 common-equity ratio than most peers, at 9.7%, and oodles of liquidity.

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