Order parameter of system	Order parameter of subsystem		Definition of order parameter index
Financial supervision		Core capital adequacy ratio	Compared with risk weighting assets, core capital is an important index for measuring reputation and economic strength of commercial bank. The higher this index, the more effective the financial supervision of commercial bank will be.
		Non-performing loan ratio	Compared with total loan, non-performing loan ratio is an important index for evaluating safety of commercial bank credit assets. The higher this index, the invalid the financial supervision of commercial bank will be.
		Top single customer’s loan ratio	Ratio between loan balances of the same borrow and bank capital balance. High index may make risk of commercial bank too concentrated to affect operation safety and lead financial supervision invalid.
		Provisioning coverage ratio	Ratio between actual withdrawing loan loss reserve and non-performing loan. This ratio is an important index for measuring if the loan loss reserve of commercial bank is sufficient. The higher this index, the more effective the financial supervision of commercial bank will be.
		Deposit-to-loan ratio (RMB)	Ratio between total loan in RMB and total deposit in RMB. The lower this index, the stronger the liquidity of commercial bank and the more effective the financial supervision will be.
Financial innovation		The percentage of non-interest income	Ratio between the sum of handling charge and non-interest income of net income of commission, income of other businesses and investment and operating income. This ratio may directly measure the earning capacity of commercial bank except income from interest rate differential. The higher this index, the stronger the financial innovative capacity of commercial bank will be.
		The weighted average return on equity	Ratio between net profit after tax and average net assets. The higher this ratio, the better the economic benefit of self-investment, the stronger the earning capacity except income from interest rate differential, and stronger the innovative capacity will be.
		The growth rate of the percentage non-interest income	This ratio reflects the growth rate of non-interest income share of commercial and innovation speed of commercial bank. The higher this index, the stronger the innovative capacity of commercial bank will be.
		The growth rate of the weighted average return on equity	This ratio reflects the growth rate of weighted average net assets returns ratio and innovation speed of commercial bank. The higher this index, the stronger the innovative capacity of commercial bank will be.