But raising money is hard: loans to such firms account for only a small part of the total lending by those state-controlled Banks (see chart 4).
但是筹集资金却较为困难：国家控股银行发放给此类小公司的贷款仅占其贷款总额的一小部分(见表4)。
2
In fact, they started at the end of last year by raising the minimum capital adequacy ratio to 10% from 8% and increased required provisions for bad loans.
实际上，早在去年末，他们便已将最小资本充足率从8%提高至10%，并为不良贷款增加了必要的储备。
3
Based on the interest and risk conditions ofloans and bonds, and the profit levels of the project in different periods, an optimal model for fund raising by combining loans and bonds is proposed.