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Its conclusion is, after the deep-seated reason with our country constrictive economy depends on our country entering superfluous economy, economy " network chain " in, because active financing system lacks our country to innovate to improve industry technology,ability and the finance that rise economy of technical innovation translate into dynamic technology project choose mechanism and ecbolic mechanism, the deposit that makes economy medium from this cannot effectively translate into invests, make finally enterprise, bank and dweller each " node " the economy between is circumfluent occurrence block, so that form economic accumulation the gender is constrictive.

其结论是，我国经济紧缩的深层原因在于我国进入过剩经济后，经济"网络链条"中，由于我国现行的融资制度缺乏为提高企业技术创新能力和将技术创新转化为经济增长动力的技术项目的金融筛选机制和催生机制，由此使经济中的储蓄不能有效地转化为投资，最终使企业、银行和居民各"节点"之间的经济环流出现阻塞，以至于形成经济的累积性紧缩。

Secondly, the thesis introduced the current situation of cooperation between bank and insurance-company in our country; analyzed objectively some questions, such as product innovation, external supervision and backward in technique, analyzed the main factor that restricted its development; And then, through the analysis about bank, insurance company, public demand and accession to the WTO, the diesis drew the conclusion that developing bancassurance met the need of bank, insurance company, and customer, and was a rational choice after entering into WTO for our country; our country had already been qualified to develop it.

其次，论文介绍了我国银保合作发展的现状；客观分析了我国银保合作存在的产品创新不足、技术落后、外部监管不完善等问题，并分析制约其发展的主要因素；进而，通过对银行、保险公司、公众需求及加入WTO等方面的分析得出我国发展银保合作是银行、保险公司、客户实现"三赢"的需要，是我国入世后的理性选择；而且，我国已经具备了发展银保合作的条件。

This paper analyzes the theory relative to ecological compensation system and the actuality of compensation of ecological environment in diggings in our country , then puts forward some consideration of constituting legal mechanism of compensation of ecological environment in diggings in our country , and hopes to promote efficient compensation of ecological environment in diggings, reasonable exploitation and utilization of mineral resource and the sustainable development of economy in our country .

本文在分析生态补偿机制的相关理论及我国矿区生态环境补偿现状基础上，提出了构建我国矿区生态环境补偿法律机制的几点思考，以期促进我国矿区生态环境的有效补偿、矿产资源的合理开发利用和经济的可持续发展。

The third part decides after deliberation the power through the analysis administration freely to decide after deliberation the question freely in our country law manifesting with our country administration which in the power monitoring exists, decided after deliberation the power disassimilation to our country administration the reason to carry on the profound analysis freely.

第三部分通过分析行政自由裁量权在我国法律中的体现和我国行政自由裁量权监控中存在的问题，对我国行政自由裁量权异化的原因进行了深刻分析。

The personal income tax exemption volume law system as its tax revenue reduces the system, day by day also has become an important system relating to national economy and the people"s livelihood, but this system continuously has rarely had the change since 1994, but inhabitant"s income level unceasingly enhances, the price also unceasingly rises, in recent years our country promotes the housing system, the medical system, the social security system, the educational system and so on many reform measure, obviously, at present our country personal income tax exemption volume legal system and the development of economy and society are in disconformity, the function of adjusting income assignment gradually weakens, the unfair tax burden question extrudes day after day, The perfection of our country personal income tax exemption volume law system call is more and more high, the experts and the scholars also pays more and more attention to the research of this system.

个人所得税免征额法律制度作为一项税收减免制度，也日益成为了税法当中一项关乎国计民生的重要制度，但该制度自1994年以来一直鲜有变化，而居民的收入水平不断提高，物价也不断上涨，近几年来我国又推出住房制度、医疗制度、社会保障制度、教育制度等多项改革措施，显然，目前我国个人所得税免征额法律制度与经济社会的发展情况已不相适应，调节收入分配的职能逐渐削弱，税负不公的问题日渐突出，完善我国个人所得税免征额法律制度的呼声越来越高，专家和学者也越来越关注该制度的研究。

Proved the feasibility that analyses haven industry with group theory, the trade situation that analysed group of industry of our country haven and distributinging administrative levels, mix with respect to mode of group of industry of our country haven of the structure build, put forward compose to build sth resembling a net of drift net of function of government of network of haven industry group, reasonable fixed position and perfect content to wait for a proposal, aim to enhance the market competition ability of our country haven further.

论证了用集群理论分析港口产业的可行性，分析了我国港口产业集群的行业状况和分布层次，并就我国港口产业集群模式和结构的建立，提出了构建港口产业集群网络、合理定位政府功能和完善物流网络等建议，旨在进一步提高我国港口的市场竞争力。

The regulation the author is removed to structuring illegal evidence of our country brings forward a little feasibility's , has the operatability suggestion, believe in by efforts made for a period of time, the regulation illegal evidence of our country is removed is able to establish the form removing the regulation entireness with being put into effect , being reaching illegal actual union our country evidence anticipating really.

笔者对于构建我国非法证据排除规则提出一些可行性的、具有操作性的建议，相信经过一段时间的努力，我国的非法证据排除规则能够真正确立和实施，达到预想的结合我国实际的非法证据排除规则的完整形式。

Our country economy is in 1 996 -1 997 year bottom of adjacent and fluctuant cereal, new wave motion of cycle of round of economy has been in by cereal on long end begin, economy of the our country in epicycle economic fluctuation approachs the likelihood long-term stable state balanced contrail, progress of our country economy had entered bear before the important period after opening.

我国经济在 1 996 -1 997年接近波动谷底，新一轮经济周期波动已经在谷底长尾上开始，本轮经济波动中我国经济将可能接近长期稳态均衡轨迹，我国经济发展已经进入了一个承前启后的重要时期。

With the reform and opening-up of our country has accelerated the process and accession to the WTO of our country, the enterprise group will become mainstays and expeditionary armies of economic development of our country.

随着我国改革开放的加速进程和我国加入了WTO，企业集团将成为我国经济发展的主力军和远征军。

On the basic assumption of Corporate Heterogeneousness Nature, integrating marketing, finance, economics and other related subjects, the thesis carrys out overall SWOT analysis of our country's banking industry and exactly describes our country's banking ecological overview; the thesis explores the sources and formulating mechanism of marketing competenece of our country's banking industry enterprises; integrating the specificities of bank marketing, especially the banking product's four essential attributes: intangibility, inseparability, inconsistency and inventory, the thesis formulates a bank marketing competence evaluating indicators system that is compatible with the

本文在综合营销学、金融学、经济学和其他相关学科的基础上，以"企业异质性"为基本理论假设，为我国银行业进行了全面的SWOT分析，准确地描绘了我国的银行生态图景；探讨了我国银行业企业营销竞争力的基本来源和形成机理；结合银行营销自身的特殊性，尤其是银行产品的四个本质属性：无形性、不可分割性、非标准性和非存储性，构建了切合我国银行业实际的银行营销竞争力评价体系。

The split between the two groups can hardly be papered over.

这两个团体间的分歧难以掩饰。

This approach not only encourages a greater number of responses, but minimizes the likelihood of stale groupthink.

这种做法不仅鼓励了更多的反应，而且减少跟风的可能性。