资本充足率水平的高低决定着银行资产可持续增长率的高低。可持续增长率是指在保持资本充足率不变的前提下, 由内源和外源资本可维持的资产增长率。银行风险资产与资本的增长相一致, 是银行流动性、安全性和盈利性三者之间的内在要求。因此, 银行管理者要从管理理念上充分认识到资本充足率对银行资产增长的重要性, 按照以资定贷经营模式追求银行资产的适度增长。

Capital adequacy ratio determines the sustainable growth rate of bank assets.The latter refers to the growth rate of assets that can be supported by the internal and external sources of capital under the precondition that capital adequacy ratio remains unchanged.A bank's risk assets should increase in accordance with the increase of capital.It is an inherent requirement for a bank's liquidity, safety and profitability.Therefore, the bank management should fully realize in its management philosophy that the capital adequacy ratio is very important to the increase of bank assets, and correspondingly pursue an appropriate growth of the bank assets according to the management pattern that assets determine the issuance of loans.