Problems as inadequate capital funds, the lower quality of assets, the non-performing asset ratio have constrained the city commercial Banks for the further development.
资本金不足、资产质量低下、不良资产比率高等问题制约着城市商业银行的进一步发展。
From the annual reports 2002 of four big state-owned commercial Banks, the loans to asset ratio exceeds over 60%, at the same time the interest income to whole income ratio reaches nearly 80%.