查询词典 science of banking

After a study on Chinese financial practice, we find that though Chinese banking system has high cost and low efficiency, one side, Chinese security market has very low efficiency to overcome asymmetric information and has many unsolved problems in short term that brings very high additional cost, so security market is not a good system to substitute the Chinese banking system and must develop after these problems are solved, on the other hand, the cost of Chinese banking system is mainly exogenously produced, the experiences of western commercial banking practice and the joint-stock reform in some Chinese banks have proved that the efficiency of Chinese banking system can be improved. So one of our conclusions is that China should emphases on the reform and development of the banking system.

一方面，本文通过对中国证券市场的进一步分析，发现中国证券市场制度设计上存在严重不合理，短期内仍然缺乏合适的生存环境，这也导致其过去十多年的超常规发展中不仅具有低的效率，而且形成了许多短期内难以克服的缺陷，这充分表明证券市场不应成为我国金融体系短期内的重点方向，证券市场未来的进一步发展必须以这些问题和缺陷的解决为前提；另一方面，进一步的分析表明，我国银行业目前的巨大成本主要为外生，同时，对西方发达国家银行业发展和我国银行股份制改革的经验总结表明，只要在一定的条件下，银行业的效率完全可以有效提高，因而，中短期内我国应重点对银行业进行改革和发展，尤其是要加快银行业的股份制改革进程。

This thesis explains basic financial innovation theorems including "circumventive innovation theorem","transaction cost innovation theorem" and " value chain theory ", etc and the relationship between these theorems and Internet banking; on the basis of analyzing the developing history and current situation of Internet banking business in foreign countries and in china, it points out the major problems existing in our Internet banking innovation, summarizes the experiences in foreign Internet banking which can be referential to our commercial banks, and gets to the conclusion that meeting customer's demands and keeping, maintaining, utilizing the customer relationship effectively are the key points in Internet banking innovation.

阐释了&规避管制理论&、&交易成本理论&、&价值链理论&等金融创新理论的基本内容及其与网络银行业务创新的关系；通过对国内外网络银行业务功能发展历程的简要回顾和对其业务创新现状的介绍，总结了国外发展网络银行业务过程中可供我国商业银行借鉴的经验，探讨了我国网络银行业务创新存在的主要问题，并认为满足客户需求，保持、维护并有效利用银行与客户间的关系是进行网络银行业务创新的关键所在。

The author summarized our country commercial banking present situation and the West commercial banking survey afterward, through this kind of relapse's contrast, the excavation and the outstanding service structure's disparity, the place which enhanced in view of our country commercial banking existence's actual problem and urgently needing embarks, obtained China commercial banking innovation principle and the specific measures.

著者随后综述了我国商业银行业务的现状和西方商业银行业务的概况，通过这种反复的对比，发掘与优秀的业务结构的差距，针对我国商业银行业务存在的实际问题和急待提高的地方出发，得出了中国商业银行业务创新的原则和具体措施。

This paper using the panel data of50 developing countries studies the influence of foreign bank entry on bakingefficiency (growth rate of deposit, growth rate of lend, growth rate of net interestincome and spread) and draws the experiential conclusion: foreign bank entry hasmuch influence on lending market and profit growth, but this influence can force thereform and development of domestic banking. Foreign bank entry decreases the spreadof domestic banking, and this means the efficiency of domestic banking increases.Foreign bank entry dose not cause the deposit diffluence of domestic banking.

利用50个发展中国家的银行样本数据分析了外资银行进入对本土商业银行效率(存款增长率、贷款增长率、净利息收入增长率和存贷利差)的影响，并得出了经验结论：外资银行进入对贷款市场和利润增长形成了巨大的冲击，但是这种冲击会推动东道国银行业改革和发展；外资银行进入降低了本土银行业的存贷利差，说明本土银行由于外资银行进入银行效率得到了提升；进一步验证了外资银行进入没有造成本土银行业存款市场的分流。

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 global banking crisis has given rise to a Manichaean view of banking – retail banking good, investment banking bad.

全球银行业危机让人们对银行业产生了二元论的看法——零售银行业好，投资银行业不好。

Based on reviewing the banking reform experience of Eastern European countries, we propose seven propositions on China's banking sector reform and empirically vitrify seven propositions using data from 21 banks between 1999 and 2006 ,then draw final conclusions: foreign banks entry lower the profit rate of hosting country banking industry in short-term, improve host country banking's risk management skills

本文在综述东欧国家银行业改革经验的基础上提出中国银行业改革的七个命题，并用中国24家银行1999-2006年间的数据构建模型进行检验，最后得出结论：短期内外资银行进入导致东道国银行业利润水平下降、风险管理水平上升，在中国的背景下可以认定这是外资银行积极作用开始发挥；外资银行机构数量的增加和持股比重的上升都能刺激中国银行业效率的改进，但是外资银行持股比重的影响更具普遍性；不同类型银行对外资银行进入的反应存在差异，国有商业银行反应比较迟钝而股份制和城市商业银行反应比较迅速。

with a constant network technology development,people are growingly accustomed to e-payment.e-payment is a key element of electronic commerce and also a fundamental factor for its development.e-payment is one of china electron service that contains custom business system,china electronic-port e-payment and banking system.at present,many chinese e-payment services develop on the basis of commercial banking services and then imitate banking business into internet to start a new e-business,so-called traditional appending e-commercial system.a basic structure of banking e-payment system and some relevant notions were desribed and the designing proposal of web service were studied in this paper.

随着网络技术的发展，人们越来越适应并慢慢习惯于网上支付。这种网上支付的方式是电子商务的关键环节，也是电子商务得以顺利发展的基础条件。网上支付系统是我国电子领域的配套服务项目之一。该系统由海关业务系统、网上支付系统以及银行业务系统三部分组成。我国目前开办的网上银行业务都是在现有商业银行基础上发展起来，把银行服务业务运用到internet，开设新的电子服务窗口，即所谓传统业务的外挂电子银行系统。本文对银行网上支付系统的整体结构及相关概念做了介绍，并且研究了其中web服务的设计方案。

It also points out that it is a process from quantitative change to qualitative change through construing the relationship among banking risk, banking fragility and banking crisis, and emphasizes the influence of banking fragility imposing on economy from four different aspects.

明确定义了银行体系脆弱性，并对这一概念进行了深入的分析；通过分析银行风险与银行体系脆弱性、银行危机的关系，指出这是一个量变与质变的过程；从四个不同的方面，重点分析了银行体系脆弱性对经济的影响。

This paper provides an international comparative survey of trends in banking industry, and seeks to indentify the way of Chinese banking industry upgrade.In this paper, the theory of industrial organization, institutional economics and the theory of financial innovation are used in the overall analysis of the banking industry in China and developed countries, and the stage of industrial development banks in developed countries are divided into beginner, intermediate and advanced stages of development.A comparative indicator of the banking industry model is created.

本文运用产业组织理论、制度经济学及金融创新理论系统整体分析我国和发达国家银行产业，将发达国家银行产业发展阶段划分为初级、中级和高级发展阶段；创建了我国与发达国家银行产业比较指标模型，对我国银行产业进行清晰的定位，并根据市场绩效(经营稳健性、盈利能力、经营效率指标)及在储蓄转化为投资过程中所处的位置，创新的划分我国银行产业内部层次。

More direct, directer ; most direct, directest

径直的，笔直的

Do you know how to use a chain saw?

你知道如何使用链锯吗？