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Commercial banks could use their capital to back up their advisory operations and outmuscle old-style investment banks.

商业银行可以凭借其雄厚的资本以支持他们的咨询业务，实力绝对压倒旧式的投资银行。

The main content include:Firstly, main five risks of overseas personal real estate loans;Secondly, the main two theories and main measures of the foreign commercial banks on dodge the risk of housing mortgage loan, emphasizing the foreign running mode of personal real estate loans, for example, research, loan management and risk management;Thirdly, the research on the risk pre-warning system of the foreign commercial banks on dodge the risk of housing mortgage loan and experiences of their successful dodge and control of risks.

主要内容有，一是我国个人住房贷款面临的主要风险(系统性风险和非系统性风险)，重点分析各种非系统性风险：来自开发商的风险(①虚假按揭，骗取银行贷款、②多种原因造成楼盘烂尾、虚假广告、③承诺落空造成的风险)，(2)来自项目的风险(①项目存在合法性瑕疵，形成风险、②项目市场前景黯淡造成的银行风险、③房屋品质恶劣或有缺陷造成银行风险)，(3)来自借款人的风险(①借款人能力风险、②借款人恶性违约)，(4)来自抵押物的风险，(5)来自中介合作机构的风险，(6)来自银行自身的风险。

Based on the characters of banking industry, this paper analyses the influences of banks capital structure, opaqueness of bank assets transactions, and bank supervisions on the corporate governance mechanisms of commercial banks.

本文从银行业的行业特征出发，分析了银行资本结构的特殊性、资产交易的非透明性和严格管制等三个典型特征对商业银行公司治理机制的影响，探讨了商业银行公司治理的特征。

Persons involved from People's Bank of China say that the mode of waiting for windfalls which formed during the capital-lack period is outdate, and the banks should build a new client-centered strategic relationship between banks and enterprises.

中国人民银行杭州中心支行有关人士认为，银行在资本短缺时代形成的守株待兔式经营模式已经过时，在构建新型银企关系方面，银行必须考虑构建以客户为中心的新型战略关系。

Padre, they took 10 banks, we take 10 banks.

神父，他们夺了十家银行，我们就抢十家

China also has a pawnshop, and you know that these pawn shops to have a high interest rate, and so on, so I think the banks should also conduct some small business loans, the interest of the business down, this is also the banks should be able to do on the one hand Work, and this is micro-finance.

中国也有当铺，你们也知道这些当铺收的利息等等都很高，所以我觉得银行也应该开展一些小额贷款业务，把业务的利息降下来，这也是银行应该可以做的一方面工作，这就是微型融资。

When the real estate market continue to expand and, in the eyes of the bank, whether it is real estate loans or personal housing mortgage loans, banks are the best and most profitable assets, the banks naturally want to give up.

当房地产市场继续扩大，并在心目中的银行，无论是房地产贷款和个人住房按揭贷款，银行是最好的和最有利可图的资产，银行自然想放弃。

For all banks, it''s a challenging environment right now but it is particularly acute for certain small banks,' says Joseph Guyaux, president of PNC.

PNC的总裁约瑟夫·盖亚克斯说，对所有银行而言，现在都是一个艰难的环境，但对一些小银行形势就更为严峻。

Similar to DFT modulated filter banks, the filter banks have a simple polyphase structure.

类似于DFT调制滤波器组，2M通道交替DFT调制滤波器组具有简单的多相位结构。

At the same time, it wholly summarizes existed issue in the development of Internet banks, especially in networks safety and networks risks. At the end, with analyzing networks safety and risks, this paper suggests taking effective precautious measures and developing Internet banks.

本文着重介绍了网络银行的竞争优势和网络银行发展中存在的法规不完善、电子支付业务运作程序不规范、日益猖撅的网络金融犯罪以及针对普遍存在的各种网络风险的技术防范措施(SET、SSL、CA、防火墙技术、加密技术等)。

On the other hand, the more important thing is because the urban housing is a kind of heterogeneity products.

另一方面，更重要的是由于城市住房是一种异质性产品。

Climate histogram is the fall that collects place measure calm value, cent serves as cross axle for a few equal interval, the area that the frequency that the value appears according to place is accumulated and becomes will be determined inside each interval, discharge the graph that rise with post, also be called histogram.

气候直方图是将所收集的降水量测定值，分为几个相等的区间作为横轴，并将各区间内所测定值依所出现的次数累积而成的面积，用柱子排起来的图形，也叫做柱状图。