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Chapter!? expounds the five main aspect of risk in national commercial bank, i.e..signal liability structure,bad loan quality, low capital efficiency, imperfect restriction on interior power, thin consciousness on risk avoidance;summarizes five characters of the bank risks, including risk concentration, moral risk, risks caused by system structure, inequi ty between bank risks and revenues, aggrandizement trend of bank risks;analysis eight reasons for bank risks, including proprietary ownership voidance,macroeconomic fluctuation, ineffective capita buffer mechanism, enterprise reasons.no synchronous fiscal investment and financial reform, incompetence law and regulation enforcement.

紧接着在第三章阐述了我国国有商业银行风险的"五大表现"，即负债结构单一、信贷资产质量差、资本充足率低、内部控制机制薄弱、防范风险的意识淡薄；总结了我国国有商业银行风险的"五大特点"，即风险高度集中、风险人为匿藏、风险的体制性、风险与收益严重不对称、风险呈继续扩大态势；剖析了我国国有商业银行风险形成的"八大因素"，即金融产权"人格"虚设、宏观经济波动、资本金等缓冲机制不健全、财政、投资和金融的体制改革不配套、法律和法规不健全等。

According to constraint-induced financial innovation theory, evadable financial innovation theory, the transaction cost innovation theory, and based on commercial banks" basic concepts and theory of intermediary operation"s development, in a comprehensive comparison between domestic and foreign commercial banks, this paper applies the econometric method of panel data to analyze 4 macroscopical indicators impacting on intermediary operation such as gross domestic product, per capita disposable income, total direct financing business and the average deposit and loan spreads, and the econometric method of time sequence to analyze 3 microcosmic indicators such as the rate of nonperforming loans, the rate of cash and assets, core capital adequacy ratio.

本文根据约束诱导型金融创新理论、规避型金融创新理论、交易成本创新理论等理论，以商业银行中间业务的基本概念和中间业务发展的理论依据为出发点，在全面比较国内外商业银行中间业务发展的基础之上，运用时间序列和面板数据分析方法，选择了国内生产总值、城乡居民人均可支配收入、企业直接融资总额和平均存贷款利差四个宏观经济变量以及不良贷款率、现金资产率和核心资本充足率三个微观经济变量，对影响我国国有商业银行中间业务发展的因素进行实证分析。

Secondly, referring to the present study on the connotation of the medium-income group and its measurement of dividing, the paper puts forward the basis and method of the sexenary division of the citizens and defines of the medium-income group as a group of people whose income is just lower than the millionaire and billionaire, Similar to the "middle class" popular in the western countries in economy and politics. As tar as the measurement is concerned, the paper sets up the measurement considering both the quality and quantity on the basis of income. From the point of view of quality, the medium-incomes should be able to pay for the real estate, life-lone education, medical care and luxurious goods all or mostly by their personal income, inheritance or loan form banks. In addition, they should be capable of keeping their income rising steadily.

其次，结合当前学术界对中等收入者的内涵及其划分标准的研究现状，本文提出城乡居民六等分的依据和方法，将本文研究视野中的中等收入者概括为一类仅次于亿万富翁和百万富翁的高收入者，在经济特征上，类似于西方世界流行的&中产阶级&；在其划分标准上，确立了以收入作为划分不同群体的依据，衡量标准采用质与量相结合的方法，从质上看，中等收入者的收入应能全部或绝大部分通过借贷、继承等方式支付房产、教育、医疗、高档消费等支出，并具有可持续增长的收入能力。

Not even when some of these loans were called "liars' loans" in the industry as when loan orginators colluded with or advised borrowers on how to lie on their applications.

不，甚至当一些这些贷款被称为&说谎者贷款&在业内人士时，贷款orginators勾结或建议借款人就如何说谎对他们的申请。

Is an expert to good expert the manner when colludes with with other people carries on the cheating, exists with the bank staff colludes with the implementation cheating the situation, in the current our country actual situation, the bank nature has the state-owned bank and difference the non-state-owned bank, therefore the author and the heterogeneity bank staff colludes with the implementation loan cheating the nature to be different, this article only colludes with the implementation on the author and the state-owned bank staff the behavior to make the discussion.

在行为人与他人勾结进行诈骗时，存在着与银行工作人员相勾结实施诈骗的情形，在当前我国实际情况下，银行的性质有国有银行和非国有银行之别，因此行为人与不同性质银行的工作人员勾结实施贷款诈骗的性质不同，本文仅就行为人与国有银行工作人员勾结实施的行为作探讨。

This part commentates such reforming measures taken recently as three projects on agricultural science education, three capitals to be put into agricultural for developing and guarantees on the agricultural loan by government which initiates in the city of Wuxi.

这一部分主要是就江苏近年来实施的农业科教三项工程、积极引导&三资&开发农业和以无锡市为代表建立的农业贷款政府担保机制等一系列农业投融资改革和机制创新措施进行述评，在阐述其与农业投融资关系的基础上为后文提出创新江苏农业投融资机制的切实可行的政策建议提供借鉴和参考。

After taking a $25,000 loan against her own home to make mortgage payments on the investment properties, she was still unable to prevent the bank from foreclosing on them.

之后，采取了二点五〇万美元贷款，对她自己的家，使按揭付款对投资物业，她仍然无法阻止银行从foreclosing对他们的影响。

The first part is an introduction. It describes the study significance, the purpose, the method and relative study evolvement from home and abroad and so on. The second part is a study basis. It illustrates study theory of financing storehouse and third-party logistics in details, which is a supply chain model theory resulting from logistics theory and financing storehouse theory and the third-party enterprise. The third part introduces impawning loan and its choke point in 3PL se...更多rvice innovation and financing storehouse business operation model. The forth part analyses restrictive factors of medium and small enterprises financing storehouse business in our country, which gives relative suggestions. The fifth part analyses the feasibility for construction of supply chain model based on financing storehouse business in 3PL service innovation, which aims at impawning supervision condition in Zhongchu Development Stock Co., Ltd Nanjing branch.

第一部分是绪论，阐明了本文的研究意义、目的、方法以及国内外的相关研究进展情况等；第二部分是研究基础，详细阐述了研究融通仓和第三方物流的相关理论，分别是物流理论、融通仓理论和第三方物流公司主导的供应链模式理论；第三部分介绍了第三方物流服务创新中质押贷款及其瓶颈，以及融通仓业务的运作模式；第四部分，分析了我国中小企业开展融通仓业务的制约因素，并提出了相关建议；第五部分，针对中储股份南京分公司开展质押监管的情况，分析了在第三方物流服务创新中，构建基于融通仓业务的供应链模式的可行性。

Second is an agreement on how the ECB would be recapitalized in the unlikely event that bank failures were to leave it with big losses on its loan book, or that it were to make large outright purchases of securities that subsequently went bad.

其次，要有一个协议，规定在如下不大可能的情况下——银行倒闭使得欧洲央行大笔贷款成为坏账，或是欧洲央行不得不大量全盘接手银行倒闭造成的不良证券，欧洲央行如何进行资本重组。

However, as a result of the problems existing in some foreign loan projects, such as insufficient management duties, irregular acts of reloaning, unsatisfying economic benefits, and uncertain liabilities for repayment, etc., some project undertakers are unable to pay the mature debts on time, and this led to fund deductions for repayment by the Ministry of Finance for many times, and increased the financial pressure and burden on this province.

但由于部分国外贷款项目存在管理职责不到位、转贷行为不规范、经济效益不理想和还贷责任不落实等问题，有些项目单位无法按期偿还到期债务，导致财政部已多次对我省实行扣款还债，使我省财政压力和负担日益加重。

Plunder melds and run with this jewel!

掠夺melds和运行与此宝石！

My dream is to be a crazy growing tree and extend at the edge between the city and the forest.

此刻，也许正是在通往天国的路上，我体验着这白色的晕旋。