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A prominent real estate industry revealed that 90% of the total national mortgage business next year, the four major banks will be reduced 15% of the housing loans, this news seems to herald the real estate market next year will be constrained by the banks, Originally there was some good for the 2002 market is pouring a pot of cold water, the original bank was?

一位房地产业内知名人士透露，占到全国房贷业务90%的四家主要银行明年将缩减15%的住房贷款，这一消息似乎预示着明年房地产市场将受到银行的制约，对于本来就不被一些人看好的2002年市场无疑泼了一盆冷水，银行的初衷是这样的。。。。。。

On the other hand, it could be that the customers of larger banks are now wising up to the fake e-mails, whereas those of smaller banks are not—perhaps thinking that the smaller institutions are more likely to use e-mail as a personal means of communication.

另一方面，可能是较大的银行的用户正在了解假email，然而较小的银行的用户则不是——可能认为较小的协会更喜欢用email作为个人通信方法。

Business. Banks can develop the business of gathering and payment on commission ,as well as make full use of qualification of commercial banking market to provide other financial institutions to issue bond as the agents, virement , insurance agent, fund trusteeship, financing on commission, assetsmanagement, finace consultant ,investment consultation etc., and improve the earning of intermediary business .At the same time, to develop low-risk, high-yield new intermediate business varieties actively in order to greatly enhance the profitability of banks and make the business sustainable.

银行可在积极拓展代收、代付等业务的同时，充分利用商业银行市场主体资格，积极为其他金融机构提供代理发行债券、银证转帐、代理保险、基金托管、代客理财、资产管理、财务顾问、投资咨询等，提高中间业务收人，积极主动地开发低风险、高收益的中间业务新品种，以此大幅度提升银行的盈利能力，促进银行可持续发展。

In upswings banks are keen to extend loans because write-offs seem unlikely. The willingness of other banks to do the same only reinforces the trend.

市场繁荣时，银行热衷于广为贷款，觉得破产销账可能性甚微，而其他银行纷纷跟进则助长了这种势头。

The lobbying power of the US banks is phenomenal and there are powerful corporate treasurers who argue that they need large complex banks to provide services to their own complex international organisations.

美国银行业拥有非凡的游说能力，而且，还有许多具有影响力的企业财务主管辩称，他们需要大型复杂银行为他们所在的复杂国际企业提供服务。

Congress also may tinker with the 12 regional Federal Home Loan Banks, which lend money to more than 8,000 commercial banks, thrifts, credit unions and insurers.

国会也可以对12家地区性联邦住房贷款银行进行改革。这些银行向8，000多家商业银行、储蓄银行、信用合作社和保险公司发放贷款。

The existing 20% cap on foreign investment in Chinese banks is likely to be kept until the situation at Western banks stabilises.

现有的20%的上限，外商投资企业在中国的银行很可能被保存到这种情况下，西方国家的银行企稳。

Moreover, the effectiveness of market is quite week, and many cost items such as agency cost are very high. So if banks realize the function of securitization on these aspects, these will become the motivation of banks to securitize their assets.

但从整个市场来看，银行面临的风险较高，另外由于市场的有效性很弱，代理成本等各项融资成本都较高，若银行能对证券化在这些方面的功能有所认识，则可成为证券化的发展动因。

Banks, in conjunction with investment banks and distressed-asset investors, should also explore ways to securitize local debt for sale to both domestic and international investors.

银行以及投资银行和不良资产投资者也应当想办法将地方债务证券化，出售给国内外投资者。

In regard to the above, this dissertation bring up some methods to enhance Chinese commercial banks efficiency: establishing an efficient market structure of commercial banking industry , refounding a good profit-making model, reconstructing banking organization and reforming the property-rights structure of Stated-Own commercial banks.

针对上述原因，本文提出了提升我国商业银行效率的主要途径：构建有效的银行业市场结构、重塑商业银行盈利模式、重构国有商业银行组织形式以及对国有商业银行进行有效的产权改革。

Finally, according to market conditions and market products this article paper analyzes the trends in the development of camera technology, and designs a color night vision camera.

最后根据市场情况和市面上产品的情况分析了摄像机技术的发展趋势，并设计了一款彩色夜视摄像机。

Only person height weeds and the fierce looks stone idles were there.

只有半人深的荒草和龇牙咧嘴的神像。