商业信用

This, the Guangzhou land tax department yesterday Xinhua News Agency correspondent in an interview that "the interest of savings deposits from individual income tax charge of the implementation" of the provisions of the savings deposit interest income only from a personal bank the State Council Industry Regulatory approval of the commercial banks, urban credit cooperatives and rural credit cooperatives, and other public deposits of financial institutions to obtain the savings deposit interest income, excluding securities companies paid to individual shareholders account for income funds, so the individual shareholders Capital account interest income levy personal income tax, does not apply "on the revisedthe decision" shall not be reduced 5% rate of taxation of personal income tax, should be "the People's Republic of individuals Income Tax Law,"the relevant provisions of Article III, 20% tax rate levied in accordance with the" interest, dividends, dividend income "personal income tax.

对此，广州地税部门昨日新华社记者在一次采访中，从个人收入的对储蓄存款利息所得的规定，执行"税务费用"的储蓄存款的利息只从个人银行，国务院业监管的批准商业银行，城市信用合作社，农村信用合作社，金融机构和其他公众存款，以获取储蓄存款利息所得，不包括企业支付给个人股东的证券资金帐户的收入，所以个人股东资本帐户的利息所得征收个人所得税，不适用"关于修改的决定"，不得减少5条个人所得税的征税％的速度，应该是"中华人民共和国个人所得税法"第三条，20％的税率征收的有关规定，按照"利息，股息，红利所得"个人所得税。

The functions of commercial bank : the agency of credit and payment , creation of credit , financial service .

商业银行的职能：信用中介，支付中介，信用创造，金融服务。

Although our country's commercial banks credit risk,whose management methods are available in the past credit risk management practice,has made some achievements, techniques, methods and means are lagger.

虽然我国商业银行现有信用风险管理方法在过去信用风险管理的实践中取得了一定的成效，但其技术、方法和手段较为落后。

It is the largest loaner and debtor as the agency of credit and payment and the organization that creates credit tools .

商业银行是经营货币的特殊企业，作为信用中介，支付中介和不断创造信用工具的机构，它既是最大的债权人又是最大的债务人。

This thesis intends to explore fundamental causes for risks related to financing activities of our state-owned commercial banks and draw relevant proposals to tackle these causes by undertaking thorough investigations into internal and external variables related to financing activities of the banksThis thesis firstly investigate four external variables affecting financing activities, including enterprises, government, central bank and social creditability before proceeding to make an enquiry into internal variables and make proposals to deal with these external and internal variables that cause risks related to financing activities.

本文旨在通过对国有商业银行贷款风险的研究，对我国国有商业银行信贷风险从银行内、外部因素这两大角度作了深入的分析，探究我国国有商业银行信贷风险产生的根本原因，并提出相应的对策。文章从企业、政府、中央银行、社会信用等四个方面对信贷风险产生的外部因素进行了探究，而后通过对信贷风险产生的内部因素的分析，为银行信贷风险管理指明了方向。

Competent commercial departments in all localities shall actively coordinate with any and all commercial banks, propel these banks to give more credit aid to small and medium circulation enterprises in accordance with the spirits of the Guiding Opinions of the People's Bank of China on Further Strengthening the Credit Aid Given to Well-Performing and Trustworthy Small and Medium Enterprises with Marketable Products (Yin Fa [2002] No.224), improve financial service offered to these enterprises, increase the line of credit and develop new credit service items; shall encourage various credit guaranty agencies to actively carry out guaranty services oriented to small and medium circulation enterprises; shall formulate corresponding policies, encourage and guide funds provided by all quarters of the society into the transformation and development of small and medium circulation enterprises.

各地商务主管部门应积极协调各商业银行，推动其按照《中国人民银行关于进一步加强对有市场、有效益、有信用中小企业信贷支持的指导意见》（银发〔2002〕224号）精神，加大对中小流通企业的信贷支持，完善对中小流通企业的金融服务，扩大授信额度，开发新的信贷服务项目；鼓励各类信用担保机构积极开展中小流通企业的担保业务；要制定相应政策，鼓励、引导社会各方面资金投入中小流通企业的改造和发展。

Lucubrating credit risk manage problem is not only independent behavior...

深入研究我国商业银行的信贷风险管理问题，不仅是商业银行作为微观金融主体进行内部管理的自主行为，从全局看也是防范商业银行的信贷风险导致银行信用体系和支付体系崩溃、引发货币危机、股市暴跌和金融危机的需要。

The entity payees are encouraged to, on the basis of getting fully aware of the credit conditions of the entity payers, receive commercial acceptance bills, reduce oral credit and open-account credit, and improve the contract performance ratio.

鼓励收款单位在充分了解付款单位信用状况的基础上，接受商业承兑汇票，减少口头信用和挂账信用，提高合同履约率。

There are four parts in the article:The first part mainly discusses the concept, differentiations of a few concepts, and the characteristic of commercial banks credit risk, and the trend of modern credit risk.

全文共分四部分：第一部分主要论述了信用风险的涵义、几个概念的区别及商业银行信用风险的特征，并对现代信用风险的管理趋势做了描述。

This study adopts Duan, Moreau and Sealey (1995)option model,to a recent evaluation of the year 2008, starting the global financial turmoil as the object of study of commercial banks in Taiwan, using commercial markets and financial data to estimation of deposit insurance value, interest rate risk, and credit risks.

本研究采用Duan， Moreau and Sealey (1995)选择权评价模型，以最近2008年起始全球金融风暴期间的台湾商业银行为研究对象，并以商业银行的市场与财务资料为投入变数，推估商业银行的市场净值、存款保险价值、利率风险、及信用风险。

Neither the killing of Mr Zarqawi nor any breakthrough on the political front will stop the insurgency and the fratricidal murders in their tracks.

在对危险的南部地区访问时，他斥责什叶派民兵领导人对中央集权的挑衅行为。

In fact,I've got him on the satellite mobile right now.

实际上 我们已接通卫星可视电话了