求金融英语高手翻译，请不要用翻译软件，谢谢！！！

capital adequacy ratio represents the commercial banks to cope with the ability of financial r**k level.the index ** to suppress the excessive expansion of r**k assets,the protection of depositors and other creditors,banks and other financial institutions to ensure normal operation and development.gradually improve,in the basel agreement of market-oriented interest rate today,the capital adequacy ratio of banks in china has become an important **sue that can not be ignored.in th** **,take the bank balance data in 2011 were analyzed,the analys** shows that most of china's commercial bank debt rate ** too high,and even the emergence of debt growth and asset growth rate as basic state,on th** bas**,in order to optimize china's banking system assets liabilities ratio,and puts forward the reasonable suggestion:by ra**ing bank capital,reduce r**k assets,strengthen the external superv**ion of bank internal control and the banking system,improve the relevant policies of the state