The local bank debt - to - asset ratio is widespread and higher , which could not reach basel agreement ’ s provision on capitalization rate . entry into wto five years later , the local bank will face the overall competition in rmb realm with the foreign capital bank . “ internal revolt and outer invasion ” urges the banking system risk , the assets profitability ’ s descends will let the bank get close to a bankruptcy 國內(nèi)銀行資產(chǎn)負債率普遍偏高,達不到巴賽爾協(xié)議的對資本充足率的相關規(guī)定,進入wto五年后又將面臨外資銀行在人民幣領域的全面競爭, “內(nèi)憂外患”促使銀行業(yè)系統(tǒng)風險的增強,資產(chǎn)營利能力的下降讓銀行步入瀕臨破產(chǎn)的邊緣。