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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。

It puts forward freshly three aspects on the base,precondition and circumstance of risk prevention ,especiallyresearches for the risk foundations-"transition period" and hinese characteristic marketeconomy .It brings out five entries to risk prevention:retortion of the direction of macroscopically adjustment,market financing,system innovation ,the decentralization andrecombination of the state property right ,reformation of organizational system in the state commercial bank and the establishment of inspiritment -obligation system .

第四章是全文的创新和结论部分，通过对风险防范的基础、前提条件和环境三方面的创新论述，特别是对"转轨时期"和"中国特色的市场经济"两个风险基础的研究，提出了风险防范的五个切入点：扭转宏观调控方向、市场触资制度创新、国有产权的分散重组、改革国有商业银行组织制度和激励——约束机制的建立。

Based on risk theory , psychology, management, we suggest the strategy of human resource risk management from the point of risk management.

4采用风险理论、心理学、管理学、组织领导学，从风险管理的角度，提出了人力资源风险管理策略。

Five ways on comparing covariance matrix are applied to the Shanghai 50 Indexes Stock Exchange, which are sample covariance matrix, scalar matrix, two-parameter covariance matrix, single index matrix, constant correlation matrix. We adopt principal components method and Markowitz portfolio method to measure stock market risk using VaR, getting the effect of measuring market risk. The result shows that sample covariance matrix and two-parameter covariance matrix could measure market risk more effectively.

本文以上证50指数数据为样本，采用样本协方差矩阵、数量矩阵、两参数模型矩阵、单指数模型矩阵、常量相关矩阵作为与股票相关的协方差矩阵，结合投资策略选择的主成分方法和Markowitz最优投资组合方法，计算VaR以度量市场风险，并比较了五种协方差矩阵度量市场风险的效果，结果表明，在主成分方法中，样本协方差矩阵和两参数矩阵方法能有效的度量市场风险。

Then, through building the model of the scatteration of the gathered underwrite risk and portfolio risk, the function of scattering risk of going on the market is further expoun.

本文围绕着这两大风险从我国保险公司的现状和承保风险集聚的理论方面分析保险公司上市的必要性和可能性，然后，通过建立承保集聚风险分散和组合投资风险分散的模型，进一步从理论上阐明上市分散风险的功能，最终得出上市是发展我国保险事业的有效途径的结论。

Industry cluster ; endogenous risk ; exogenous risk ;"self-fertility" risk ; modularization

产业集群；内生性风险；外生性风险；"自稔性"风险；模块化

Based on the comprehension of many domestic and international academic papers, this paper conducts an overall and intensive study on future settlement risk of our country in clearing houses opinion, mainly studies on the reasons of future settlement risk, clearing house organization and central counterparty, future margin, reserve funds, rating clearing members system and future settlement risk management system in our country.

本文在阅读和理解了国内外相关领域学术文章后，从期货结算机构角度，对我国期货市场结算风险管理进行了研究。

Through constructing the event tree for oil deport operation, this method can calculate the probability of the sequent event, find the risk index associated with the severeness of the sequent event, divid risk grade and put out risk alarm. so it can keep the accidents away efficiently.

该方法通过构造油库作业事件树，定量计算各后果事件的发生概率，并结合后果事件的严重程度确定风险指数，科学划分风险等级，发布相应风险警报，从而有效防范事故发生。

Approximately 5% of subjects who had a perforation died within 14 days of the procedure. Risk of death was significantly increased by perforation after colonoscopy (OR, 9.0; 95% CI, 3.0 - 27.3) or after sigmoidoscopy (OR, 8.8; 95% CI, 1.6 - 48.5). The difference in risk between the two procedures has been narrowing because the risk of perforation from colonoscopy has decreased over the years, presumably from improvements in technology and in training.

约有5%发生肠穿孔的民众在筛检后14天内死亡，做完直肠镜或大肠镜后发生肠穿孔的民众死亡率明显增加（大肠镜：危险比，9.0；95%信赖区间，3.0 - 27.3；直肠镜：危险比，8.8；95%信赖区间，1.6 - 48.5），但这两种筛检方法的风险差异正在逐渐缩小中，可能是因为技术的改良与人员的加强训练，使得大肠镜的肠穿孔危险已逐年下降。

The conclusions of risk assessment and risk management suggestions for sulfites2.1 The results of risk assessment for sulfites2.1.1Sulfur dioxide,potassium metabisulphite,sodium metabifulphite,sodium sulfite,sodium hydrogen sulfite,sodium hyposulfite are Sulfities pemitted to use in China.

亚硫酸盐的危险性评估结论及危险性管理措施2.1亚硫酸盐的危险性评估结论2.1.1我国允许使用的亚硫酸盐包括二氧化硫、焦亚硫酸钾、焦亚硫酸钠、亚硫酸钠、亚硫酸氢钠、低亚硫酸钠等。

You can do some assertiveness training.

你可以进行一些自信训练。

We were well on the path to making a rear-wheel-drive global platform," says Mays."

我们正致力于建立一个后轮驱动的平台，"Mays这样说道。"