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So, it is very important and necessary for Chinese commercial bank management how to deal with interest rate fluctuating acutely, study actively advanced interest rate risk measurement from overseas, while, take into account situation of Chinese commercial bank to choose appropriate interest rate risk measurement model, and establish effective interest rate risk management mechanism.

因此，如何应对利率日益波动剧烈的形势，积极学习国外先进的利率风险测度技术，并充分考虑我国商业银行的实际情况，选择适合自身的利率风险衡量模型，建立行之有效的利率风险管理机制是我国商业银行利率风险管理的当务之急。

Commercial housing ; individual credit ; housing mortgage loan ; risk analysis ; risk precaution ; risk elusion

商品住宅；个人信贷；住房按揭贷款；风险分析；风险防范；风险规避

Recently, the cases of fraudulently applying for bank cards for the encashment at the merchants' POS have frequently occurred, the trading volume that may involve frauds goes up, and the credit risk, operational risk and regulation compliance risk confronted by commercial banks for engaging in the bank card business are on the rise.

最近，因虚假申领银行卡进行商户POS套现行为引发的欺诈风险事件频繁发生，涉嫌欺诈的交易金额水平有所上升，商业银行开展银行卡业务面临的信用风险、操作风险、合规风险等呈现上升态势。

By analyzing the factor influence the risk endure capability,and combining the provision scale producer original endowment theory and other related theory,the author think that provision scale producer is risk evader,so its quite important to conduct effective price risk.

通过对影响风险承受能力因素分析，结合粮食规模生产者初始资源禀赋和相关风险理论，笔者认为我国粮食规模生产者是风险规避者，对价格风险进行有效管理十分必要。

It anlysises the connotation and the cause of the ecological risk. Based the research about ecological risk theory, the model of EVR has been established with use of VaR which is a very popular risk man agement model in international market.

系统探讨了生态风险的成因、内涵；结合当前国际上流行的VaR风险管理模型，在生态风险理论有关研究的基础上，建立了一类新颖而实用的区域生态系统风险管理模型－EVR。

Falsification of accounting information caused the industry technological risk,business risk and management risk.

会计信息化的失真导致产生技术风险、业务风险以及管理风险。

Consuming loan is personal fiduciary loan, the loan amount for the short-medium term revolving fund is approximately between one hundred thousand to one millions dollars. Therefore, credit auditors must depend on scoring charts for efficiency and reduce the credit risks, especially emphasis on personal credit risk assessment. The key to this study is effective identifying the risk by instantly grasp customer's risk attribute and give it a proper quantifiable indicator.

消费性贷款为个人信用贷款，贷放额约在10 万元至100 万元间，为短中期周转用途，所以徵授信审核员为效及低授信风险，就必须凭靠好的评分表，特别强调个人的信用风险评估，有效辨风险之所在就在於即时掌握客户的风险属性，给予适当的化指标，此即本研究之重心。

Red hair was associated with an adjusted threefold risk of the malignancy, as was self-reported inability to tan following repeated sun exposure. Heavy freckling was associated with a 4.1-fold increased risk, and a history of 11 or more sunburns before age 18 years carried a 2.5-fold elevated risk.

经校正后，红发与黑色素瘤罹患风险增加3倍相关；在自述反复日光曝晒但不会晒黑的患者中，黑色素瘤罹患风险也增加3倍；重度雀斑者风险增加4.1倍；18岁以前有≥11次晒伤史者风险增加2.5倍。

This paper firstly introduces three methods of risk fuzziness analysis according to different risk aspects of risk fuzziness theory.

摘 要 首先根据风险模糊集理论的不同风险内涵，介绍了三种不同的风险模糊分析方法。

In spite of foreign currency option is a good evade risk tool, foreign currency option as a financial derivative itself gestate huge risk because of foreign currency produced as evading risk demand.

尽管外汇期权是一个非常好的避险工具，但是外汇期权组合作为规避风险需要而产生的金融衍生工具本身就孕育着极大的风险，因此对金融衍生工具的核心之一—外汇期权的风险进行研究是非常必要和适时的。

Nowadays, most of research are to build a transmutative Petri Nets through adding controlling place sets, controlling arc sets and controlling policy to the basic Petri Nets, while the Controlled Petri Nets could be used to argue many controlling theory problems conveniently and to induce many logically and physically supervisory and solve the Event Feedback Controlling Problems and State Feedback Controlling Problem in DEDS supervisory theory.

目前大多数的研究表现为在变形后的受控Petri网基础上，利用各种方法求得各种逻辑型、结构型控制器，解决DEDS监控理论中的事件反馈控制问题与状态反馈控制问题。

On one hand, there are discussions with the works council and union about extension of short time working up to the end of September.

一方面，有讨论，工程理事会和联盟关于延长工作时间短至9月底。