Basel III requires banks to have a capital adequacy ratio of not less than 8% and a core capital adequacy ratio of not less than 6%\x0d\ Basel III stipulates that the lower limit of tier-one capital adequacy ratio of global commercial banks will be raised from the current 4% to 6%. Among them, the lower limit of core Tier 1 capital composed of common shares will be raised from the current 2% to 4.5%; In addition, banks need to increase the "capital protection buffer fund", the total amount of which shall not be less than 2.5% of the bank's risk assets. The capital adequacy ratio remains unchanged at 8%. The new regulatory standards were implemented in stages from 20 13 1 10, and fully met the standards by 201510/0. \x0d\ The minimum capital adequacy ratio is the ratio of capital to the risk-weighted average of various assets (loans and securities held). The minimum capital adequacy ratio is to ensure the liquidity of the bank, meet the reasonable loan demand and withdrawal requirements of customers, and is the last line of defense of the bank, which can limit the proportion of risky assets of the bank. \x0d\ The core capital adequacy ratio refers to the ratio of core capital to total weighted risk assets, also known as tier-one capital and equity capital, and refers to equity capital and public reserves, which are components of bank capital, accounting for at least 50% of total capital and not less than 6% of total realized financial assets.