Answer: B

Relatively speaking, commercial bank capital plays a more important role than ordinary enterprises, which is mainly reflected in the following aspects: First, providing financing to banks. Like other enterprises, capital is one of the sources of funds for commercial banks to issue loans (especially long-term loans) and make investments. It plays a key role in providing financing like commercial bank liabilities. Second, absorption and digestion losses. The essential characteristic of capital is that it can be freely used and is the first source of funds to bear risks and absorb losses. Therefore, capital is also known as a buffer that protects creditors from risk losses. Third, limit excessive business expansion and risk-taking to enhance the stability of the banking system. Driven by the goals of high risk, high return, and becoming bigger and stronger, commercial banks find it difficult to truly achieve self-discipline. Reduce the risk of bank failure through external measures by regulatory authorities that require banks to hold capital no less than the minimum capital adequacy ratio. Fourth, maintain market confidence. Market confidence is a direct factor affecting the safety and liquidity of commercial banks. The loss of confidence in commercial banks will directly lead to commercial bank liquidity crises and even market collapse. Commercial bank capital serves as a buffer to protect the interests of depositors and plays a vital role in maintaining market confidence.