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To this, although pay Xiao Feng of treasure president Shao to responded to our newspaper on November 12,express when the reporter,"2008, pay treasure to add cooperative bank newly 25, we and bank are maintaining good cooperation all the time ", but a fact that does not dispute is, bank respect has transmitted phonate sound, tripartite pays must collect fees, can affect the enthusiasm that the bank cooperates otherwise.

对此，尽管支付宝总裁邵晓锋在11月12日回应本报记者时表示，&2008年，支付宝新增合作银行25家，我们和银行一直保持着良好的合作&，但一个不争的事实是，银行方面已经传出声音，第三方支付必须收费，否则会影响银行合作的积极性。

In November 2007, alibaba builds a bank to cooperate with China again, roll out the loan product that does not need any mortgage " network couplet is protected ", network couplet guarantees loan is product of a loan, comprise a combine by the home or 3 3 above enterprises, will apply for loan jointly, china builds Zhao Lin of assistant president of bank head office to express: With Alibaba's collaboration, this is contemporary commercial bank breaks through traditional credit mode first, finance that with the letter of business affairs of the electron on the net expenditure grade regards a bank as the important basis that loan extends innovates.

2007年11月，阿里巴巴再次与中国建设银行合作，推出不需要任何抵押的贷款产品&网络联保&，网络联保贷款是一款贷款产品，由3家或3家以上企业组成一个联合体，共同来申请贷款，中国建设银行总行副行长赵林表示：&与阿里巴巴的合作，这是现代商业银行首次突破传统信贷模式，以网上电子商务的信用度评级作为银行贷款发放的重要依据的一次金融创新。&

Regardless of their mix of on-site and off-site activities or their use of work done by external accountants, banking supervisors usually have regular contact with bank management and a thorough understanding of the institution's operations. This may take the form of prudential meetings held between supervisor and bank, and/or tri-party meetings held among supervisor, bank and the bank's auditor to discuss regularly all significant issues and areas of their business.

无论实行现场监管与非现场监管的结合还是由外部会计师审计，监管人员通常会与银行管理人员保持经常的联系，并深入了解金融机构的经营情况，这可以通过监管人员和银行之间的审慎会谈，或者通过监管者与银行以及银行的审计师三方会议来进行，对所有重要的问题和业务展开定期讨论。

This kind saves the tube way take each customer as a name, is saving the tube bank alone to open a bank account the management is the foundation, through introduces the bank inspector general mechanism as well as enclosed, the central silver card account transfer and method and so on bank channel inquiry, the safeguard customer fund security.

这种存管方式以每个客户为名义，在存管银行单独立户管理为基础，通过引入银行监督机制以及封闭式、集中式银证转帐与银行渠道查询等手段，保障客户资金安全。

And I long-term and Jinniu branch of the Industrial and Commercial Bank of China, China Industrial and Commercial Bank of grass City Branch, Chunxi branch of the Industrial and Commercial Bank of China, Chengdu, Shanghai Pudong Development Bank branches to maintain long-term friendly cooperative relations between the personal loan business, the company has so far accumulated loan customers More than 10,000 households, Xin Insurance Agency Ltd. in joint resources on this issue, providing strong support.

并且我公司长期与中国工商银行金牛支行、中国工商银行草市支行、中国工商银行春熙支行、上海浦东发展银行成都分行保持长期友好的个人贷款业务合作关系，到目前为止公司已累计贷款客户10000余户，为鑫联合保险代理有限公司在客户资源这一问题上提供了强有力的支持。

The land bank agency on behalf of the Government or by the Government commissioned a land bank specializing in the development of institutions, agencies involved in land bank land bank and development activities in order to further deepen the reform of land use system, regulate the land market order, and related activities and shows that the Government acts, and its goal is to strengthen land management to achieve macro-control, which is to take the credit policy to achieve the overall objective of macro-control is consistent.

土地银行机构代表政府或由政府委托的土地储备专门从事发展的机构，机构参与的土地储备的土地储备和开发活动，以进一步深化土地使用制度，规范土地市场秩序，有关的活动，并显示了政府行为，其目标是加强土地管理，以实现宏观调控，这是采取的信贷政策，以实现其总体目标是宏观调控是一致的。

This paper reviewed the developments in 2-D numerical model of the water flow. By means of the latest observation data of the prototype, the detailed analysis was made on the major thalweg, section, island and bottomland, the erosion and deposition of the river bed and the scour hole near the dock and the law of the fluvial process was obtained. Based on the related references, the evolution trend of the channel after the Three Gorges was finished was predicted. The 2-D mathematical model of the water flow was set up and validated using the latest data. With the model, the flow and velocity of several cases were calculated. The stability computation of the bank at the typical section under difference conditions was carried out by adopting the world widely used Geo-Slope slope stability analysis program. Finally, the synthetical evaluation on the influence of the project on the flood level, velocity, river circumstances, bank protection and flood prevention was made and the conclusion that the construction of the dock had little effect on the flood discharge was obtained.

本文介绍了平面二维水流二维模型研究进展，对河道历史演变概述，通过最新原型观测资料对河道近期主泓线、断面、洲滩、河床冲淤、码头附近冲刷坑等进行详细分析，总结近期河道演变规律，并参考有关文献，对三峡建成后河道演变趋势进行预测；建立了平面二维水流模型，并根据最新资料对模型进行率定和验证，采用模型对几种工况组合进行壅水和流速计算；采用国际上广泛应用的Geo-Slope滑坡稳定分析程序对几种工况条件下工程断典型断面岸坡进行稳定性计算；最后总结工程建设对洪水位、流速、河势、堤防及防洪抢险等方面进行综合评价，得出码头建设对行洪影响较小的结论。

From the point of practice and dvelopment, how to impove the ability of credit risk management for Yinchuan city commercial bank is discussed surrounding the client raiting and credit extention, measures of credit risk, management strategies of credit risk, conclusions of the paper are listed as the following:Through positive analysis, the current methods of client rating and credit extension is simple and convenient for application, there are four disadvantages in index system of it: non-customer subdivision, non-consideration factors on industrial risks, larger quantitative indicators ratio, non-consideration factors on affiliated enterprise risk, and some corrective measures are put forward to solve it, customer subdivision, factors-added on industrial risks, set stationarity indices ratio in reason, factors-added on affiliated enterprise risk; From the point of development, Based on the technology of Value-at-Risk and CreditMetrics model we discussed the methods of credit risk analysis and measurement and gave the example of how to calculate the VaR value of individual loan and combined loan; This paper probes into the strategies which raise the ability of credit risk management for Yinchuan city commercial bank from five aspects, including strengthen the inner control, improve the technique level of risk management through information technique, solve the problem of non-performing loan, adjust the credit orientation and structure, foster credit culture with its core based on risk control.

从实践和发展的角度出发，围绕客户评级授信、信贷风险测量、信贷风险管理策略三个方面，就如何提高银川市商业银行信贷风险管理水平展开研究，得出以下结论：通过实证分析，银川市商业银行现有的客户评级授信方法具有方法简单、易于推广的优点，但客户评级授信指标体系具有客户分组不细、未考虑行业风险因素、定量指标占比过大、未考虑关联企业风险因素的缺点，应通过细化客户分组，增加行业风险因素指标、合理设定定性指标比重、增加关联企业风险评价指标等措施进行改进；从发展的角度出发，在基于VaR框架和CreditMetrics模型技术的基础上，探讨了银川市商业银行信贷风险分析和度量的方法，给出了采用CreditMetrics模型技术计算单笔贷款、组合贷款VAR值的例子；从五个角度探讨了提高银川市商业银行信贷风险管理能力的策略和手段，包括强化信贷风险内控管理机制、利用信息技术提高信贷风险管理技术水平、综合治理化解不良资产、调整信贷结构、建立以风险控制为核心的信贷文化等对策。

This research based on the concept of the Bank Brand Trust and the Bank Officer Trust to discuss the relationship between the trust of the bank brand, the bank office and the life insurance company brand and the intention of policyholders to repurchasing/renewing the insurance company's other products.

因此依据银行品牌信任、人寿保险品牌信任及银行行员信任的概念，探讨银行保险顾客对於银行品牌、银行行员及人寿保险品牌的信任对再购买人寿保险公司其它产品意愿及续约意愿之关系。

But the short term financial plate has a number of internal division, in addition to banking stocks Huijin target object's Bank of China, Industrial and Commercial Bank of China and China Construction Bank, the bank can only Nanjing closure in trading on the board, the rest of banking stocks are trading near the plate with varying degrees of concussion.

但短期财政板具有除银行股汇金目标对象中国人民银行中国，工商中国建设银行和中国银行的内部分裂数目，银行只能在交易结束南京在黑板上，对其余银行股的交易接近了不同程度的脑震荡盘。

However, as the name（read－only memory）implies, CD disks cannot be written onorchanged in any way.

然而，正如其名字所指出的那样，CD盘不能写，也不能用任何方式改变其内容。

Galvanizes steel pallet is mainly export which suits standard packing of European Union, the North America. galvanizes steel pallet is suitable to heavy rack. Pallet surface can design plate type, corrugated and the gap form, satisfies the different requirements.

镀锌钢托盘多用于出口，替代木托盘，免薰蒸，符合欧盟、北美各国对出口货物包装材料的法令要求；喷涂钢托盘适用于重载上货架之用，托盘表面根据需要制作成平板状、波纹状及间隔形式，满足不同的使用要求。