Seventeen of the world's 100 largest banks are in China, more than anywhere else, and four times the number a decade ago. All are state-owned. Do you have the financial acumen to run the lending department of one of these giants? Let's see if you qualify. Price the following loan to a private sector Chinese company. Your bank is paying depositors 0.5 percent interest so that's your cost of capital. The company has been a bank customer for six years and now needs a loan of RMB50 million (USD$8 million). The audit shows it's earning RMB 60 million a year in net profit and has cash flow of RMB85 million.