商业银行

First, this gives birth to sovereign credit risk; Second, this results in the exterior problem of the property right structure of state-owned commercial banks which destroys the incentive and restrictive functions of property right; Third, the administration put on state-owned commercial banks excludes the supervision implemented by central bank.

其结果是：第一，导致了国家信用制度风险的产生；第二，造成了国有商业银行二重产权结构下的外部性问题，破坏了产权的激励与约束功能；第三，政府对国有商业银行的行政式管理排斥中央银行监管。

In recent years, domestic orgnaization participates in the pace of PE market to be accelerated stage by stage, the letter in be opposite, medium after gold casts pilot certificate business twice to evaluate continuously, card inspect can announce to will enlarge pilot limits moderately again, what the stockjobber that allows to accord with a condition can apply for to begin direct investment professional work to Chinese card inspect is pilot; And how does the commercial bank also participate in PE domain in active exploration, be versed in Jiang Jianqing shows a president, the commercial bank should run business to accelerate development capital, the bank must extend its equity to invest the investment space of the domain such as fund further.

近年来，国内机构参与PE市场的步伐逐步加快，在对中信、中金两家直投试点券商评估后，证监会又公布将适度扩大试点范围，答应符合条件的证券公司向中国证监会申请开展直接投资业务的试点；而商业银行也在积极探索如何参与到PE领域，工行董事长姜建清表示，商业银行要为加快发展资产治理业务，银行必须进一步拓展其股权投资基金等领域的投资空间。

With the introduction of successful experiences concerned bank reforms in western countries, business reengineering as an introductive way has been put forward to apply in Commercial bank.

在借鉴和分析西方商业银行改革成功的经验时，风靡西方的银行再造成为我国商业银行改革和创新的主要方法。

Based on the characters of banking industry, this paper analyses the influences of banks capital structure, opaqueness of bank assets transactions, and bank supervisions on the corporate governance mechanisms of commercial banks.

本文从银行业的行业特征出发，分析了银行资本结构的特殊性、资产交易的非透明性和严格管制等三个典型特征对商业银行公司治理机制的影响，探讨了商业银行公司治理的特征。

At last, this essay applies the Balanced Scorecard to the China Construction Bank, analyses the CCBs four key success factors which including financial, customer, the internal business process and the learning andgrowth, puts forward a framework of BSC indicators( which could he a reference Uncommercial banks). And at the same time, the author analyses the actuality impediments of implementing BSC, and points out the tactics of conquering impediments.

文章最后对中国建设银行运用平衡计分法进行了财务、顾客、内部流程、学习成长四个方面的关键成功因素分析，提出了一个可供商业银行参考的平衡计分法指标体系框架，并分析指出了平衡计分法在我国商业银行应用的现实障碍与突破策略。

RMB financial products in this article yield factors for the study of commercial banks in the theory of personal finance and domestic financial product research RMB combing literature based on theoretical analysis from a financial product RMB yield factors, as well as factors product yield on the financial mechanism of the impact and application of new Industrial and Commercial Bank of China fixed-term renminbi financial products based on relevant data, in order to build a yield to maturity, duration, interest rate and money supply measures for the analysis of model variables the above theory can be tested, statistical analysis showed that: RMB Commercial Bank financial products yield to maturity and interest rates, money supply was a negative correlation between the volume, but no significant period of relevance.

本文以人民币理财产品收益率影响因素为研究对象，在对商业银行个人理财相关理论和国内人民币理财产品及其收益率研究文献进行梳理的基础上，尝试从理论层面分析人民币理财产品收益率的影响因素，以及各因素对理财产品收益率产生影响的作用机理，并以中国工商银行已到期2006年、2007年和2008年人民币理财产品的相关数据为依据，构建以到期收益率、期限、利率及货币供给量为变量的计量分析模型，用描述统计方法和斯皮尔曼相关分析对上述理论进行检验，统计分析结果显示：商业银行人民币理财产品的到期收益率和利率、货币供给量呈负相关关系，而与期限没有显著的相关性。

Furthermore, facing the fierce competition from foreign banks, how to improve the efficience issue, it's a great challenge for domestic academics.

面对外资银行的竞争，我国商业银行面临着巨大的挑战。如何改变善过去商业银行效率低下的问题，也是国内学者面临的重要课题。

This paper is based on the theory of modern finance, enterprises management andmarketing of banks. Through the research of its marketing orientation actuality, itsystematically analyses the need for urban commercial bank to orient renewedly.

本文以现代金融学、银行营销学和企业管理学为基础，通过研究城市商业银行的市场定位现状，系统分析了城市商业银行重新进行市场定位的必要性。

If, the fast development of the commercial bank of shareholding system of our country has benefitted from the flexible mechanism and words of system in the past 20 years, then this kind of advantage , with quickening of reform paces of state-run commercial bank and entry and desalinizing progressively of the foreign capitals bank.

如果说，近二十年来我国股份制商业银行的快速发展得益于灵活的机制和体制的话，那么这种优势随着国有商业银行改革步伐的加快和外资银行的进入而逐步淡化。

For authorization needed to set up a bank, there should be a definition of bank to prevent behaviors eluding this market permission.

由于法律对商业银行的设立采取特许制度，因此需要界定商业银行的实质，以防止逃避银行监管的脱法行为。

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。