We need to bereave of and adjust the risk assets , deal with bad assets , bring down the risk assets ratio , and increase the risk mitigating factors . what more important is to build a road adaptable to improve the capital adequacy ratio , according to the development of the risk management of the international banks and the need of basel , we should establish comprehensive risk management and improve risk measure technology . economic capital management has been theoretically and empirically testified for its critical role in managing risk in banking system 一方面既要积极以各种手段剥离与调整风险资产,加大处理不良资产,降低风险资产权重,增加风险释缓作用;另一方面更重要的在未来发展中制定适合我国银行提高资本充足率的路径,根据国际银行业风险管理的发展趋势以及《新资本协议》的要求,尽快建立一套既能与国际银行业接轨又适合我国银行业的全面风险管理体系,努力提高风险识别和量化管理的水平;实施经济资本预算管理,在各级行建立资本有偿使用机制,强化资本对资产业务和风险资产扩张的硬约束,促使各级行大力拓展低风险、高收益的资产业务和中间业务,不断提高自身资本积累能力。
It divides from banking into traditional business and the middle of business two pieces part : the development and innovation of the traditional business carry on comparative analysis in the form of chart respectively through the business of the assets and business of debt ; introduced the business state of development and scale in china , this part have analyzed the current demand of middle business in china 把银行业务分为传统业务和中间业务两个部分：传统业务的发展和创新是通过资产业务和负债业务两方面分别以图表的形式进行比较分析；通过介绍中间业务在我国的发展状况和规模，分析了中间业务在我国的现实需求。
