For another hand, and the most important point, risk management level of domestic commercial banks is lower, this leads to high level of non-performance asset ratio and lower return ratio and leads to downwards the ratio of capital adequacy finally. 另一方面,也是最重要的一点,国内商业银行风险管理水平较差,直接导致国有商业银行高的不良资产率和低下的效益,并最终导致资本充足率下降。