1. 3 The commercial banks, under stronger financial disciplines, have become increasingly prudent in lending to projects in processing industries. As their loanable funds build up, waiting for viable business, their operating costs have increased.  
   第三，提高银行资金的运营效益。商业银行由于约束机制增强，对加工工业项目的贷款更加谨慎，存贷款差额较大，增加了运营成本。
2. Absorption of foreign capital 
   吸引外资
3. Asset and capital verification 
   清产核资
4. capital construction unit accounting 
   建设单位会计
5. confiscation of bureaucrat capital 
   没收官僚资本

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• 1. 可贷资本
  loan capital 贷款资本...loanable capital 可贷资本...lock in capital 固定成本
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