The Bank for International Settlement (BIS) is an international special bank called "the central bank of the central banks" whose basic goal is to promote the cooperation such as money / exchange buying and selling between the central banks of the member nations, deposit acceptance, and international financial settlement and adjustment. While it serves as the central bank of the central banks in the world, more attention is paid to its function as a place to talk about many problems in the international finance and the macroeconomical adjustment in the meeting of the heads of central banks every month. Originally, in 1930 after World War I, it was founded to deal with the compensation probelem of Germany and its headquarter is locatioted in Basel, Switzerland. As its headquarter is in Basel,it is also called "Basel club". The annual reports and statistics on international finances given by BIS are highly valued to know the world economy and financial trend. Participants are 92 countries such as G10, European Central Bank, Australia, China, Korea, and only 49 central banks and Financial Supervisory Agencies including the central banks of G10 have a right to vote.International capital-asset ratio regulation (BIS regulation) was determined by BIS to secure the soundness of the banks in 1988. It was enforced in Japan in December of the same year by the Ministry of Finance Banking Bureau agency's notification after having passed through a dual circulation period of three years. The BIS regulation itself doesn't have a legal binding power. However, major countries take legal measures to carriy it out. The BIS regulation shows the ratio of the own capital for the amount of total assets. The more healthier the management of the bank, the higher this ratio. In addition, it can take in a loss if its own capital is substantial. The maintenance of capital-asset ratios more than 8% (domestic 4%) is obliged by BIS regulation for banks to run aninternational business. When a bank lends the money for a company, the bank must borrow the money from others. When a bank borrows money from others, its capital- asset ratio decreases. The bank must pay the amount plus interests to depositors even if the money it lent does not return. Even if banks dealt with bad loans must cover the lost amount for its own capital. As a result, because the capital-asset ratio falls, they must do "a reluctance to grant loan" and "collection" to prevent such a situation.
This is a thread of translation into Japanese. But even if you move to another thread, maybe you will be ignored especially by that Briton because he can not understand your Japanese sentences no matter how arrogantly he behaves.