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Goldman's shares are valued less richly than those of competitors it so obviously outwits. Moreover, investment banks are less highly valued than less glamorous commercial banks and retail brokerage firms.

高盛的股份不如那些显然是投机取巧的竞争对手，而且，投资银行们比那些缺乏魅力的商业银行和零售经纪公司有更低的价值。

However, because banks and other firms that risk insolvency may be willing to take outsized bets, some minimum capital threshold may need to be established to avoid recapitalizing banks that are likely to fail in any case, since leaving them in operation could end up increasing fiscal costs without providing much additional benefit

不过，因为有破产风险的银行和其它公司可能想孤注一掷，设定一个最底的资本门槛还是有必要的。这样可以避免重组一些行将倒闭的银行。因为保存这样的银行不破产，不会有什么新增利润，也就不会增加税务支出。

But unlike U.S. banks that started writing down losses and recapitalizing themselves, the Japanese banks didn't acknowledge having serious problems and instead let bad loans pile up.

但日资银行没有像美国同行那样开始冲减损失、调整自身资本结构，反而不承认自己存在严重问题，任由坏帐越积越多。

The agency will raise the money from banks, she said, with riskier banks paying more.

该机构将钱从银行时，她说，与风险的银行支付更多。

Variables such as value at risk (a measure of how much banks stand to lose if markets turn against them) and the ratio of risky assets to equity have been rising, suggesting that investment banks' returns have been souped up by trading with borrowed money.

一些数值如在险价值(VAR 一种测量银行在市场不利条件下最大损失的指标)和风险资产与股权的比值在增加，暗示这些投行的收入增长来自于他们在用贷款作交易。

There is a prevalent phenomenon of credit stinting in commercial banks o . Based on the principle of information economy , the paper explains the cause of credit stinting for commercial banks by analyzing the generated mechanism of credit rate .

惜贷&现象是现阶段国有商业银行普遍存在的问题，文章基于信息经济学原理，通过分析商业银行的贷款利率的形成机制，解释了银行&惜贷现象出现的原因。

Nine core indexes are totalized according to their weight, the competence of small and middle-shed joint-stock commercial banks is analyzed. The results showed that China Merchants Bank was in the leading position and was the best of all these banks.

采用相应的权重指标将9个核心指标进行汇总，分析各股份制商业银行在中小股份制商业银行中的竞争力，表明招商银行是中小股份制商业银行中处于领先地位的商业银行，具有较强的实力。

Firstly, the four state-owned commercial banks monopolize the financial market and it is inevitable that our financial innovation is typified by state-owned commercial banks.

首先，四大国有商业银行在金融市场上处于垄断地位，我国的金融创新必然主要表现为国有商业银行的创新。

At the end of 2009 these banks had a weighted-average Tier-1 capital ratio of 10%, in line with rich-world banks, but this probably understates their advantage.

在2009年底，这些银行的加权平均一级资本比率为10%，与富裕世界的银行一致。但这可能低估了它们的优势。

Along with the effectiveness of the customer relationship manager system in the domestic commercial banks,the customer relationship manager team plays a more and more important role for the development of the commercial banks.How to manage the team?What incentive mechanism to be implemented to motivate the managers to make efforts,which have become an understudying problem.

随着客户经理制在国内各商业银行的逐步确立，客户经理群体在商业银行的发展过程中日益体现出了十分重要的作用，如何管理好这个团体，采取怎样的激励机制来促使客户经理按照符合银行利益的方向努力工作，成为一个需要认真研究的问题。

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。