他的结论是“最佳资本比率是总资产的7％到8 ％ ， 相当于风险加权资产的12％到14 ％ （ 使用风险加权资产与欧元区及美国各大银行总资产的比率 ） ” 。
Cline’s conclusion is that “the optimal capital ratio is 7% to 8% of total assets, corresponding to 12% to 14% of risk-weighted assets (using the ratio of risk-weighted assets to total assets in euro area and US banks).”