Only 0.5 percent of total bank borrowers with loans size of more than Rs 10.0 million take up 71.7 percent of banks’ loan portfolio. Among others, this indicates high concentration risk in the banking sector. Default of any of the three largest fund-based exposures can cause the aggregate CAR to fall below the minimum  2  BIS Review 120/2009  requirements.
We are of the view that the co-existence of two monetary systems is significant to the economic reform of China. It follows from the two mutually independent monetary systems of the mainland and Hong Kong that the two monetary authorities will also be mutually independent and one is not superior to the other.