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It is accomplished that our state special banks changed to state commercial banks, managing behavior marketed element aggravated, the colure of administration drawn back, especially under the situation of global economy incorporated today, the case of international finance crisis occurring more often and impact that we facing from international banks after China enter the WTO, all ask state commercial banks have to envisage the problem of managing risk and improve the ability of identify and control risk as soon as possible.

我国国有专业银行向国有商业银行转轨过程已经完成，经营行为市场化成分加重，行政化色彩退却，尤其是在目前全球经济一体化格局下，国际金融危机事件频频发生的现状和中国在加入世贸组织后面临来自国际银行业的冲击，均要求国有商业银行必须正视经营风险问题并且尽快提高风险识别和控制能力。

In this paper,a design method of two dimensional Linear Phase Nearly Perfect Reconstruction filter banks based on a new class of cosine modulation systems is presented,which can be described as follow: firstly,the Parks-McClellan algorithm is adopted for designing the prototype filter,then by employing cosine modulation,a series of analysis and synthesis filters can be obtained,accordingly a one-dimensional LP-NPR filter banks can be constructed;Secondly,cascading two one-dimensional LP-NPR filter banks in the form of tree structure and using the unimodular transformation,a two dimensional nonseparable LP-NPR filter banks can be obtained.

提出了一种基于一类新余弦调制系统的二维线性相位-近似完全重构滤波器组的设计方法，设计过程分为两个步骤：首先采用Parks-McClellan算法来计原型滤波器，再经过余弦调制能到一系列的线性相位分析和综合滤波器，从而可以构造一维LP-NPR滤波器组；然后利用树状结构来结合两个一维LP-NPR滤波器组，并运用单位模变换，可以得到二维不可分离LP-NPR滤波器组。

From the angle of the present situation, exist superiority of middle and small financial organization, of this thesis the author comprehensively analyzed those banks exteriorly on their political, economic and business environments though the theory of strategic management .Having combined the present facts of china and advanced experience of foreign banks, and seriously analyzed the core competition capability of domestic middle and small banks , elaborate in the new form the middle and small banks how to choose the different development strategy, and carry out the control.

本文从研究中小银行的现状、存在优势入手，对其进行了全面真实的外部环境分析，结合本国实际，在对中小银行核心竞争力进行分析和归纳的基础之上，阐述了中小银行在新形式下要进行怎样的差别化战略选择，以及如何更好地进行中小银行的内部控制。

Then cited the accrual basis of revenue from commercial banks, the cost of the verification process in the concrete application and then by Chinas commercial banks adopt accrual accounting system by the existence of the problem, pointing out that this principle in Chinas commercial banks accounting easy Banks inflated income, inflated profits easily lead to false accounting; easily lead to inflation and affect the national economys health, sustained and stable development.

接着列举了权责发生制在商业银行会计处理中的运用，进而提出了我国商业银行会计核算采用权责发生制所存在的问题，指出这一原则在我国商业银行会计核算中，容易导致银行虚增收入，夸大利润；容易导致会计造假现象；容易引发通货膨胀，影响国民经济的健康、持续、稳定发展等问题。

This thesis made out creative analysis on credit risk management of stated-owned commercial banks under information asymmetry as follows:(1) It pointed out that banks can set for claim for compensation in credit contracts, so that companies that breach the faith would be published once the breach occurred.(2) It suggested that banks can set committees in companies to supervise the application of capitals, in order to make sure that specific capital should be used in specific projects.(3) It advised that special departments, acting like independent directors, can be set by banks enterprises to supervise the shared information, so that to decrease moral risk.

本文的创新点在于对信息不对称下的国有商业银行信用风险管理提出了如下几点对策：(1)银企双方在签订贷款合同时可以建立违约索赔的机制，一旦银行发现企业违约，而对方至少应该受到经济上的制裁；(2)建议银行设立投资监控管理委员会，对企业资金的使用状况进行监督管理，以保证借出的资金不被挪用到其他项目，做到专款专用；(3)在银企双方设立类似于独立董事的机制，对信息的透明度进行监控，保证企业不出现道德风险方面的问题。

Government's commercial banks "big but not inverted" stealth commitments, capital of commercial banks to make up again and again, the central bank in macroeconomic regulation and control in multi-take into account the interests of commercial banks, commercial banks weakened self-responsibility.

政府的商业银行"大但不倒"的隐形承诺，资本的商业银行，以弥补一次又一次，中央银行的宏观调控多考虑到商业银行的利益，削弱了商业银行的自我责任。

In this paper, China's commercial banks personal financial business risk research as subjects, the main outlines the risks of Personal Financial Services, through theory and case-specific analysis of risk types, characteristics and causes of domestic banks, through drawing on the experience of control risk, and I have been combining the actual situation of commercial banks, commercial banks in our country on personal financial business risk prevention and management.

本文以我国商业银行个人理财业务风险研究作为选题，主要概述了个人理财业务的风险，通过理论与案例具体分析了风险的种类、特征与产生的原因，通过借鉴国外银行控制风险的经验，并结合我过商业银行的实际情况，阐述了我国商业银行个人理财业务的风险防范与管理。

After 20 years of development business of commercial banks in China have achieved success, but with foreign commercial banks, intermediary business is still the soft underbelly of the Chinese-funded commercial banks, China's commercial banks face severe challenges.

经过20多年的发展我国商业银行中间业务取得了成就，但与外资商业银行相比，中间业务仍然是中资商业银行的软肋，我国商业银行面临严峻的挑战。

Part II also studies the risk situation of domestic banks and the causes leading to the formation of those risks and the author's conclusion is that Chinese banks in particular the four largest state-owned banks are characterized by the following risks:(1)the high percentage of problem loans;(2)poor profit-earning capability;(3)few channels of generating income;(4)heavy burden of tax and other expenditures;(5)the lower percentage of self-owned capitals;(6)poor liquidity;(7)the unsoundness and imperfectness of the internal management structure risk management mechanism and company management structure; to make matters worse, Chinese banks are cornered by our social and economical environments such as the unfledged market mechanism, the poor credit degree of our community, the deficiency of legal system in protecting the legitimate rights and interests of creditors and local protectionism in subordinating banks' credits to those of local parties concerned,etc.

本文还对国内银行风险状况及其成因进行分析，认为目前我国银行业处于高风险状态，主要表现为：在银行经营管理方面，国有商业银行不良资产占比过高(占全部贷款的26.62%)，商业银行盈利性差，收入的多样性差，税赋重，自有资本金比例低，流动性不足，内部控制及公司治理机制等管理制度不健全、不完善等；在社会、法制环境方面，市场机制不健全，社会信用程度低，法律制度不完善，地方保护倾向明显，等等。

During the study period, we found that plants were present only in natural creek banks, but not altered ones. Comparisons between natural banks without plants and altered banks revealed no significant difference in both shrimp abundance and distribution. However, there was significant difference in shrimp abundance when natural banks with plants and altered banks were compared, suggesting that construction might have negative effects on plants and, in turm, on shrimp abudance. Comparisons between reproductive and non-reproductive season yielded significant results in both shrimp abundance and distribution, which resulted from the recruitment of juveniles to local populations.

在实验期间，自然河段有水蕴草而整治河段没有水蕴草的存在，比较无水蕴草的自然河段与整治河段，发现无论是数量或出现率都没有显著差异，然而，在有水蕴草存在的自然河段之多齿新米虾数量与出现率则较整治河段高，显示哈盆溪可能因为整治工程影响了底质的型态，导致水蕴草不易生长，进而影响多齿新米虾的数量及出现率；在季节方面，结果显示，不同季节在数量和出现率上都有显著差异，而此差异是因为幼虾在生殖季大量加入族群所致。

I am accused of being overreligious," she said in her quiet, frank manner,"but that does not prevent me thinking the children very cruel who obstinately commit such suicide.""

客人们在卡罗利娜·埃凯家里，举止就文雅一些，因为卡罗利娜的母亲治家很严厉。

Designed by French fashion house Herm è s, this elegant uniform was manufactured in our home, Hong Kong, and was the first without a hat.

由著名品牌 Herm è s 设计，这件高贵的制服是香港本土制造，是我们第一套不配帽子的制服。