商业银行

Based on Game theory, the price and serves competitionstrategy of the commercial bank are studied in this paper.

在目前国有商业银行进行股份制改革、上市以及我国对外资银行全面开放的背景下，运用博弈论及竞争力理论研究商业银行间信贷业务的价格及服务两方面的竞争策略及合作策略等问题具有一定的现实意义。

It can not only offer the foundation for development in the future of the bank but also be used for buffering possible losses.

银行资本为商业银行提供了永久性的资金来源，是商业银行存在的前提和发展的基础。

According to these questions, we could find the material countermeasures: scientific property rights should base on the stock reforming, control the agent"s "seeking rent behaviour, eliminate the controlling of state stock; Bank should firmly circumfuse operational, informatics, normal objects, make out rigid interior institutions; Considerated our financial material situations, the institution of supervision should integrate the interior supervision and exterior supervision and leave on indirect supervision. We should fast establish a leading supervision system without changing the segregation situation, so as to support a better environment for innovation and also better keep away innovation risk.

针对这些原因，提出了如下对策：科学的产权制度应对商业银行实施彻底的股份制改造，减少内部人控制现象，克服国有股一股独大现象；商业银行应紧紧围绕"操作性目标、信息性目标、合规性目标"三大目标，建立互相制衡、有力约束的刚性的内控制度；考虑我国金融业的具体情况，新的监管制度以间接监管为主、内外监管相结合，建立由央行为首的"牵头监管模式"，统一金融监管，给银行业务创新提供一个较为宽松的环境并且实现对业务创新的风险的有效防范。

This article is the city commercial banks to the status of empirical study, based on this and other banks at home and abroad to carry out a comparative analysis of existing problems and carry out scientific analysis, and finally to improve the competitiveness of city commercial banks to promote their healthy development provide the corresponding countermeasures and suggestions.

本文就是要对城市商业银行的现状进行实证考察，在此基础上和国内外其他银行进行比较分析，并对存在的问题进行科学地分析，最后为提高城市商业银行的竞争力、促进其健康发展提供相应的对策和建议。

It is accomplished that our state special banks changed to state commercial banks, managing behavior marketed element aggravated, the colure of administration drawn back, especially under the situation of global economy incorporated today, the case of international finance crisis occurring more often and impact that we facing from international banks after China enter the WTO, all ask state commercial banks have to envisage the problem of managing risk and improve the ability of identify and control risk as soon as possible.

我国国有专业银行向国有商业银行转轨过程已经完成，经营行为市场化成分加重，行政化色彩退却，尤其是在目前全球经济一体化格局下，国际金融危机事件频频发生的现状和中国在加入世贸组织后面临来自国际银行业的冲击，均要求国有商业银行必须正视经营风险问题并且尽快提高风险识别和控制能力。

This paper studied the decision-making under uncertainty expressed with fuzzy and language text variables as the inputs of assessment model, proposed the emendatory uncertainty compound rule based on the distance between different evidence.

论文选择有代表性的国内四家商业银行作为案例进行实例研究，采集2003-2008年的案例银行的财务数据和现场检查的专家评价信息，对商业银行操作风险进行评价。

City commercial banks in China in the banking industry, known as the four major state-owned commercial banks and joint-stock banks after the "third tier" since the beginning of its founding, it has a congenitally deficient vulnerable.

城市商业银行在中国的银行业中被称作四大国有商业银行和股份制银行之后的"第三梯队"，自成立伊始，它就有着先天不足的弱势。

Small size commercial banks of China, such as city commercial bank, rural cooperative bank and so on, develop fastly.

我国的小型商业银行（城市商业银行、农村合作银行等）在沿海地区快速发展。

But especially state-owned commercial bank of inside haven't reformed now real commercial bank, still just a kind of" government organ", the power is not clear and definite, the bad property comparison is big, decision dilatoriness, lack the vivid, the bad ability of againsts the risk, the mechanism of encouraging the talented person not sound, the wages assigns not reasonable etc.

而中资银行特别是国有商业银行，目前还未改造成真正的商业银行，还只是一种"政府机构"，这一制度性的缺陷导致其股本单一，权责不明确，不良资产比例大，决策迟缓，缺乏灵活性，风险防范能力差，人才激励机制不健全，工资分配不合理等等。

As a result, the head office considers seizing the branch"s screening power. But whether this can resolve this bank"s problems in the credit screening system and further improve its performance is yet doubtable.

另外是一家城市商业银行，该银行与前面所分析的股份制商业银行实行的是不同的经营策略，它从方便小企业入手，下放信贷审批权。

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。