After the citizen attends insurance , at ordinary times the insurance premium with regular pay , once produce unexpected loss , can the regulation according to the contract , from corresponding economy is obtained to fill over there insurance company 公民参加保险以后，平时交付一定的保险费，一旦发生意外损失，即可按照合同的规定，从保险公司那里获得相应的经济补。
( var ) , and then measures capital at risk ( car ) which is used to resist the whole unexpected loss of the bank on the base of var of all risks , and correlates risk with income to calculate the risk adjusted return on capital ( raroc ) to evaluate the outstanding of banks 对所有风险采用统一的量化标准? ?受险价值var ，然后以所有风险的var值为根据测量用以抵御银行整体意外损失的风险资本car ，并把风险和收益联系起来计算资本的风险调整收益率raroc来衡量银行的经营业绩。
As one of the instruments and measures of banking regulation , regulatory authorities request commercial banks to raise adequate capital for their risk assets , in order to provide a cushion for capital loss , reduce bankruptcy probability and guarantee the security of our financial system 作为银行监管的保护手段,资本充足性管制要求银行依据其风险资产的总体水平配置充足的资本金,以吸收银行经营中遭遇的意外损失,起到短期的风险缓冲器作用,从而维护银行体系的稳定。
