商业银行

It also analyses the rise of open fund to cause the affection to the present bank system and business of our country, such as the affection to the deposit structure and amount of the commercial bank, to the change of people s financial consciousness and operative idea and to the fund trusteeship and agency of the commercial bank.

分析了开放式投资基金的出现对我国现有的银行机制和银行业务产生的影响，如对商业银行存款结构和数量的影响；对人们金融意识和经营理念的影响；对商业银行基金托管和基金代理业务的影响。

After Credit Asset Securigation Commercical bank that is traditional part as a mediam of deposit and loan desalinize gradually,it develops the service scope of commerlical bank and there has been a big increase in the scale of band credit through selling bank loan of bank credit through selling bank loan .

信贷资产证券化使商业银行作为存贷中介的传统角色逐渐淡化后，拓展了商业银行的服务范围，通过出售银行贷款，从而增加银行贷款规模。

Since the economic opening to the world, many theories and methods of risk management of international banks have gone to china, and evaded Chinese banks to accelerate their reform and development. They have made a greater effort and minded much more to risk management, and foreshorten the distance to international advanced banks.

实施对外开放以来，国际银行风险管理的理念、方法不断涌入中国，推动了国内商业银行加快改革和发展的步伐，商业银行风险管理得到了前所未有的重视和加强，与国际先进银行的差距不断缩小。

The main conclusions are as follows: financial innovation has changed the impact pattern of volatility of real estate prices on commercial banks' assets; the impact in China mainly concentrates on real estate-related loans based on banks' liabilities and is limited; Chinese commercial banks should accelerate the pace of asset securitization business but prudentially develop credit derivatives.

研究表明：金融创新改变了房地产价格波动对商业银行资产的影响模式；中国房价波动对商业银行资产的影响主要集中在源于银行负债发放的贷款领域，但总体影响有限；中国应加快发展银行资产证券化业务，谨慎发展信用衍生产品。

This paper from the actual situation has analyzed the integer status of our banking, and mostly discussed the superior and inferior of the nation owned single proprietorship bank of commerce of our country after we joined WTO, and sums up that the nation owned single proprietorship bank of commerce of our country should take reforms in the finance system, pattern of management, and strengthen the credit risk management, expand retailing positively and construct the networking bank such as positive effective countermeasure so as to compete with the foreign banks.

该项研究，从实际出发，充分论述和分析我国银行业的整体状况，通过重点论述加入WTO后，我国国有独资商业银行在竞争中具有的优、劣势分析，总结出我国国有独资商业银行作为我国银行业主体应该在金融体制改革、经营模式转换，加强信贷风险管理，积极发展零售业务，构建网络银行等方面，采取积极有效对策，同外资银行进行竞争。

Part II also studies the risk situation of domestic banks and the causes leading to the formation of those risks and the author's conclusion is that Chinese banks in particular the four largest state-owned banks are characterized by the following risks:(1)the high percentage of problem loans;(2)poor profit-earning capability;(3)few channels of generating income;(4)heavy burden of tax and other expenditures;(5)the lower percentage of self-owned capitals;(6)poor liquidity;(7)the unsoundness and imperfectness of the internal management structure risk management mechanism and company management structure; to make matters worse, Chinese banks are cornered by our social and economical environments such as the unfledged market mechanism, the poor credit degree of our community, the deficiency of legal system in protecting the legitimate rights and interests of creditors and local protectionism in subordinating banks' credits to those of local parties concerned,etc.

本文还对国内银行风险状况及其成因进行分析，认为目前我国银行业处于高风险状态，主要表现为：在银行经营管理方面，国有商业银行不良资产占比过高(占全部贷款的26.62%)，商业银行盈利性差，收入的多样性差，税赋重，自有资本金比例低，流动性不足，内部控制及公司治理机制等管理制度不健全、不完善等；在社会、法制环境方面，市场机制不健全，社会信用程度低，法律制度不完善，地方保护倾向明显，等等。

As China's accession to the WTO and financial globalization, foreign-funded banks and emerging joint-stock banks with their effective incentive mechanism have snatched a large number of outstanding financial talents from China's four major state-owned commercial banks. The unprogressive incentive mechanisms of state-owned commercial banks have constrained to its deepening reform and development.

在我国加入WTO、金融全球化的形势下，外资银行和新兴股份制银行凭借其有效的激励机制大量抢夺我国四大国有商业银行的优秀金融人才，国有商业银行落后的激励约束机制已成为制约其深化改革和向前发展的瓶颈。

Presently, with the further reform of Commercial Banks in China, the management about the value of bank has taken a very important part, and our National Commercial Banks pay more attention to build value-based management system, to suit cotemporary financial development level and direction, and it will have significant meanings."Finance is the vitals of economy".

当前，随着我国商业银行改革的深入，银行价值管理被提到非常重要的位置，探索如何建立一套既适应我国金融业当前发展水平，又符合现代金融业发展方向，具有现实可操作性的银行价值管理体系，成为了国内商业银行共同关注的重要问题。

On June 6,1933, the American president Luosifu signed GELARSI-Sideagel Law, which made separate the Anerican commercial banks with inveament bank strictly in 1934, definiting the sugervisory system separatedly for commercial banks and investment banks, then American separated business system was set up.

1933年6月16日美国总统罗斯福签署《格拉斯－斯蒂格尔法案》，使美国的商业银行与投资银行业务严格分离了。1934年美国证券交易委员会成立，确定了商业银行与投资银行分业监管体制，美国银行分业体制正式形成。

Starting from the particularity of Bank,this article makes an analysis of the current situation of the national urban commercial bank,and puts forward a scheme—Rearrangement of assets,by which the national urban bank can extricate themsel...

从徽商银行的特殊性出发，对我国城市商业银行进行现状分析，提出我国城市银行走出困境的方案——资产重组。以徽商银行成功资产重组为案例，分析其过程，从而为其他城市商业银行资产重组模式的正确选择提供借鉴作用。

On the other hand, the more important thing is because the urban housing is a kind of heterogeneity products.

另一方面，更重要的是由于城市住房是一种异质性产品。

Climate histogram is the fall that collects place measure calm value, cent serves as cross axle for a few equal interval, the area that the frequency that the value appears according to place is accumulated and becomes will be determined inside each interval, discharge the graph that rise with post, also be called histogram.

气候直方图是将所收集的降水量测定值，分为几个相等的区间作为横轴，并将各区间内所测定值依所出现的次数累积而成的面积，用柱子排起来的图形，也叫做柱状图。