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In author's opinion, in theory and practice, the risk management through capital allocation for commercial banks both at home and abroad at present does not clearly define risk prevention functions of reserve for bad loans, capital adequacy ratio and deposit insurance system and does not use clear and quantitative theory model to guide the recognition of reserve for bad debts, capital adequacy and deposit premium ratio, especially without reasonable basis and model to support the management of 8% capital adequacy ratio for commercial banks by analysis of current condition of risk management for commercial banks both at home and abroad.

上述分析表明，目前国内外商业银行在资本配置风险管理中没有清晰地界定呆帐准备金、资本充足率和存款保险制度的风险防范功能，没有用清晰的、定量的理论模型来指导呆帐准备金、资本充足率、存款保险费率的确定，特别是商业银行8％的资本充足率管理没有理论依据和模型支持。

This paper also applies game theory to set up game models for ante-accommodation and post-accommodation. In the information model for ante-accommodation, commercial banks expect the occurrence of separate game equivalence not the pooled game equivalence, for in pooled game equivalence, commercial banks may easily choose adverse selection to provide loans because of asymmetric information, while in the supervision model for post-accommodation, banks and enterprises hardly make pure strategic equivalence, that is, they can not achieve Pareto optimum in the same time, meanwhile, when the supervision model for post-accommodation achieve pooled strategic equivalence, we will make use of probabilities of enterprises not keeping their promises and probabilities of bank supervision as indexes for describing qualitatively the credit risk for enterprises and the credit risk for bank supervision.

首先，论文对信贷活动中信息不对称所产生的逆向选择与道德风险及由此产生的信贷风险进行了一般理论分析，并提出了防范逆向选择和道德风险的一般模型；其次，论文结合我国信贷市场预算约束软化这一根本特征，研究了我国信贷活动中由信息不对称而产生的信贷风险形成机理的特殊性进行了分析；接着，运用博弈论方法对我国信贷市场中商业银行与企业在申请贷款、偿还贷款时的博弈行为进行了深入分析；最后，文章提出了消除信贷市场信息不对称的对策和建议。

Moreover, the central bank also opened new property prices allowed the banks to check their own cities to raise the minimum Shoufu ratio, although the foreign banks in Shanghai said the new policy has not prompted them to further improve housing threshold, but reporters found that enclasp lending ratio of the foreign banks have become the primary means of controlling risks.

此外，此次央行房贷新政中也允许房地产价格上涨过快城市的银行可以自行提高最低首付比例，虽然上海的外资银行表示新政策并没有促使他们进一步提高房贷门槛，但记者采访中发现，握紧放贷比例已成为各外资银行控制风险的主要手段。

It is an important issue for domestic banks that how banks enhance core competitive capability to face new challengesModern banks are knowledge-intensive industry, that the operation and management are based on knowledge and information, reflected on organization, operation method and business development etc.; It is inundant that informationization advance the innovation of the industry.

现代银行业作为知识密集型产业，在组织架构、运作方式和业务开拓等方面，以知识和信息为基础的经营管理特征日益显现，以自身实现信息化推动整个业态的不断推陈出新，已是势不可挡。

Finance as the core of modem economy and banks which are the core of society capital have logically dialectical relation with the knowledged economy: banks will be one of the enterprises which go forward the knowledged economy firstly, at the same time, the development of the knowledged economy could not happen without the help of banks.

作为现代经济核心的金融和社会资金中枢地位的银行与知识经济存在着逻辑辩证关系：银行业将是最先走向知识经济的行列之一，与此同时知识经济的发展也离不开银行业的支持。

The lack of the medium-sized banks as transits from the overlarge state-owned banks to too small-sized new banks results in a top-heavy and polarized banking market structure, and the two forms of uneconomical scale.

由于国有银行太大，新兴银行太小，缺少大小适度的中等银行过渡，致使整个行业呈现出头重脚轻、两极分化的市场结构特征和两种形式各异的规模不经济状态。

On June 6,1933, the American president Luosifu signed GELARSI-Sideagel Law, which made separate the Anerican commercial banks with inveament bank strictly in 1934, definiting the sugervisory system separatedly for commercial banks and investment banks, then American separated business system was set up.

1933年6月16日美国总统罗斯福签署《格拉斯－斯蒂格尔法案》，使美国的商业银行与投资银行业务严格分离了。1934年美国证券交易委员会成立，确定了商业银行与投资银行分业监管体制，美国银行分业体制正式形成。

In china, the research of small and middle sized banks is just at the beginning stage, most of which are barely about the concept and the characters of private banks and community banks, it is very in lack of the systematic research.

小银行的研究在国内尚处于起步阶段，多数研究停留在对我国发展民营银行和社区银行的研究上。

South China Morning Post of Hong Kong: At present the reform of state-owned commercial banks has entered into a substantive stage. The government has recapitalized these banks for three times in a row. But are you fearful of the potential for moral hazards on the part of these banks?

香港《南华早报》记者：目前国有商业银行改革已经进入实质阶段，政府已经连续三次注资国有商业银行，您会不会担心这样会引发潜在的银行道德风险？

From the angle of capital structure theory, it is more important that study listed banks than unlisted banks, so this paper serve listed share-holding commercial banks as research subjects.

从资本结构理论的角度看，研究上市银行比非上市银行更为重要，因此，本文将上市的股份制商业银行作为了研究对象。

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。