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The innovations of this thesis can be showed in following aspects. First, based on the classifying the extant explanatory theories and empirical evidences for bank to securitize, we employ an appropriate econometric method to analyze asset securitization panel data from bank holding companies in the USA.

本文的主要创新之处表现在：第一，在全面系统地梳理银行资产证券化的直接动因及作用效果的基础上，采用更合理的能处理面板数据的计量经济分析方法，对美国银行控股公司资产证券化的动因及效果进行了经验分析。

In Chapter 2, basing on the overview of the available literature, I sift the extant explanatory theories and empirical evidences for bank to securitize, and divide the motivations of asset securitization into seven reasons: increasing liquidity, regulatory capital arbitrage, saving funding cost, bank risk management, improving management efficiency, resolving information asymmetries, optimizing capital structure.

在第2章中，基于相关文献的综述，本文对资产证券化已有的解释理论和经验结果进行全面梳理，将银行资产证券化的直接动因归纳整理成七种：增加流动性动因、监管资本套利动因、降低融资成本动因、银行风险管理动因、改善管理效率动因、解决信息不对称动因和优化资本结构动因。

All payments to be made either by the Buyer to the Seller or by the Seller to the Buyer under the present Contract shall be effected on its due date in Austrian Schillings by telegraphic transfer using the Credit Agreement under the Austrian Government Loan between Buyer's bank and Seller's bank covering this Contract.

根据本合同所有的付款，不论是由卖方向买方还是由买方向卖方，都应在到期日前在合同中提及的买卖双方贷款的奥地利政府银行之间，在信贷协定的前提下，以电子转帐的方式在规定的日期内进行。

All payments to be made either by the Buyer to the Seller or by the Seller to the Buyer under the present Contract shall be effected on its due date in Austrian Schillings by telegraphic transfer using the Credit Agreement under the Austrian Government Loan between Buyer's bank and Seller's bank covering this Contract.

根据本合同，所有的付款项目，无论是买方向卖方还是卖方向买方支付，都应采用买卖双方的银行在奥地利政府贷款框架下达成的信贷协议，于到期日以奥地利先令进行电汇付款。

All payments to be made either by the Buyer to the Seller or by the Seller to the Buyer under the present Contract shall be effected on its due date in Austrian Schillings by telegraphic transfer using the Credit Agreement under the Austrian Government Loan between Buyer's bank and Seller's bank covering this Contract.

本合同规定的需由买方向卖方或卖方向买方支付的款项，买卖双方银行应在合同规定日期，依照奥地利政府的货款协定，通过TT方式以奥地利元支付。

All payments to be made either by the Buyer to the Seller or by the Seller to the Buyer under the present Contract shall be effected on its due date in Austrian Schillings by telegraphic transfer using the Credit Agreement under the Austrian Goernment Loan between Buyer's bank and Seller's bank coering this Contract.

根据本合同，所有的付款项目，无论是买方向卖方还是卖方向买方支付，都应采用买卖双方的银行在奥地利政府贷款框架下达成的信贷协议，于到期日以奥地利先令进行电汇付款。

During the stay in school, I have had certain understanding to bank business through the studying of relevant courses like Money and Banking and International Finance. Although my major is International Trade Practice, I still found that there is certain business relationship of trade and bank. So we got relevant knowlege of banking on classes. Furthermore, the social practics also provided me with opportunity to know banking and be familiar with banking business,and even increase the interests of working in banks.

在校期间，通过学习货币银行学和国际金融等相关课程，对银行业务有一定了解；虽然专业是国际贸易实务，但贸易是与银行有一定的业务联系，所以课堂上老师也对相关的银行知识进行了讲解和传授；而且，假期的实践活动也为我提供了从实践中了解银行、熟悉银行业务的机会，并使我对银行的工作产生浓厚的兴趣。

In these key projects, the Shanghai Pudong Development Bank that will focus on support Hongqiao transport hub, rail transportation, the Expo venue construction, petrochemical and other projects, and increase corporate energy reduction, environmental improvement projects such as support; Shanghai Bank new credit also point to rail transportation planning, highways, railways, ports, Expo supporting projects, such as water, electricity and gas utilities and telecommunications, power grids, petroleum, petrochemical, and other key basic industries.

在这些重点项目上，浦发银行称，将重点支持虹桥交通枢纽、轨道交通、世博场馆建设、石油化工等项目，并将加大对企业节能减排、环境治理等项目的支持；上海银行新的信贷规划也指向轨道交通、公路、铁路、港口、世博配套项目等，水电煤气等公用事业和电信、电网、石油石化等重点基础产业。

Jiang's overseas push began in December 2006 with the purchase of a 90 percent stake in PT Bank Halim Indonesia for 90 billion rupiah ($10 million). On Aug. 29, it agreed to buy 79.9 percent of Macau's third-biggest bank from billionaire Stanley Ho's Sociedade de Turismo e Diversoes de Macao for 4.68billion patacas ($586 million).

姜建清的海外拓展计画始於2006年12月，以900亿印尼盾(1000万美元)买下印尼哈林姆银行90%的股份；8月29日同意以46.8亿澳门元(5亿8千6百万美元)从亿万富翁何鸿燊旗下的澳门旅游娱乐公司手中买下澳门第三大银行－诚兴银行79.9%的股份。

My account you can make account inquiry or inter-account transfer, self-help registration card addition, self-help sub-accounts linkage and other operations on all your accounts (including deposit book, money-link card, elite club account, quasi credit card, credit card and business card account) registered at the internet banking or conduct intra-bank remittance, inter-bank remittance and batch account transfer.

的账户您可对在网上银行中注册的所有账户（包括存折、灵通卡、理财金账户、信用卡、贷记卡和商务卡账户）进行账务查询、账户间的转账，自助添加注册卡，自助下挂子账户；同时还可以进行行内汇款、跨行汇款和批量转账操作。

And Pharaoh spoke to Joseph, saying, Your father and your brothers have come to you.

47：5 法老对约瑟说，你父亲和你弟兄们到你这里来了。

Additionally, the approximate flattening of surface strip using lines linking midpoints on perpendicular lines between geodesic curves and the unconditional extreme value method are discussed.

提出了用测地线方程、曲面上两点间短程线来计算膜结构曲面测地线的方法，同时，采用测地线间垂线的中点连线和用无约束极值法进行空间条状曲面近似展开的分析。