One hears rather worrying comments , mainly from observers from outside of the mainland , about the fragility of the banking system there , citing the relatively high npl and low some would say negative capital adequacy ratios 外界观察中国内地往往担心它的银行体系基础薄弱，并指出不良贷款率偏高及资本充足比率偏低有人甚至说实际是负数
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