商业银行

Consequently, this essay choose the "Z-Score Model", which was developed by Altaian, the famous American expert in risks management, to analyze and evaluate the listed companies' credit risks in China and to verify its efficiency to Chinese stocks market. The " Z-Score Model" is an innovation in the evaluation of companies' credit risk in the United States' banks, which is now being used widely. If the model is also applicable in Chinese stocks market, it will be significant in both theories and practices.

因此，本文选用作为美国商业银行信用评估方法的一次重要创新的，目前仍被美国商业银行广泛使用的，由美国著名信用风险管理专家Altman建立的"Z评分模型"(Z-Score Model)来对我国上市公司的信用风险状况进行实证研究，验证其在我国股票市场的有效性程度，如果能证明"Z评分模型"同样适用于我国证券市场，并将其改造为更适合我国上市公司的信用风险分析模型，将不仅具有很大的理论价值，而且也具有十分重要的现实意义。

The Bank of England Bank of Tokyo bank holding company banking syndicate merchant bank ...

英国对商业银行的名称欧洲投资银行联邦土地银行被保险银行贴现银行外国银行海外银行

Nowadays, our commercial bank accommodated them in order to adapt the challenge from the world.

现在，我国商业银行除了本来所具有的网点多，基础雄厚的特点外，为了适应来自世界的挑战，商业银行也对自身做了多方位的调整。

Through analyzing the essence of investment bank, this paper is intended to contrast and compare the characteristics between investment and commercial bank.

本文通过对投资银行的本质问题进行分析，区别比较了投资银行与商业银行的特点，运用比较分析的方法对西方国家投资银行监管的有关法律加以研究，系统的论述了投资银行监管的一般理论及其具体内容。

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。

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。

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。

The overseas investment banks have inundatory superiority over their capital scale ,the earning of vendition,capability of operation and ability of financial creation ,the enterance of investment overseas will bring grimness challenge to our home investment banks .At the same time,our home investment banks face the pressure of mixed operation greatly .Recently commercial banks and insurance agents turn into the operation of investment banks one afer another ,our home investment banks feel the pressure of mixed work .

假如WTO后，我国承诺向国外金融机构逐步开放资本市场，而国外投资银行无论在资本规模、销售收入、业务能力以及金融创新能力方面都具有压倒性的优势，跨国投资银行的进入将给国内投资银行带来严峻挑战，同时，国内投资银行面临混业经营的压力越来越大，近几年商业银行或者保险公司纷纷进入投资银行业，国内投资银行感到了混业经营带来的压力。

The overseas investment banks have inundatory superiority over their capital scale ,the earning of vendition,capability of operation and ability of financial creation ,the enterance of investment overseas will bring grimness challenge to our home investment banks .At the same time,our home investment banks face the pressure of mixed operation greatly .Recently commercial banks and insurance agents turn into the operation of investment banks one afer another ,our home investment banks feel the pressure of mixed work .

如果WTO后，我国承诺向国外金融机构逐步开放资本市场，而国外投资银行无论在资本规模、销售收入、业务能力以及金融创新能力方面都具有压倒性的优势，跨国投资银行的进入将给海内投资银行带来严峻挑战，同时，海内投资银行面临混业经营的压力越来越大，近几年商业银行或者保险公司纷纷进入投资银行业，海内投资银行感到了混业经营带来的压力。

Reporter has learned that the Center and the Bank jointly launched the replacement of individual housing provident fund loan portfolio refers to the application for individual housing loans of the borrower, by the trustee bank to use bank funds to the borrower issuing bank commercial individual housing loans, by banks on behalf of the borrower to Kunming housing provident fund management center to apply for individual housing provident fund loans, agreed to by the management center for approval, the provident fund loans with bank loans Replacement "first trustee bank loans, after the replacement loan fund portfolio" of loans.

记者了解到，该中心和世界银行共同发起了更换个人住房公积金贷款业务是指在申请个人住房贷款的借款人，由受托人银行使用银行资金向借款人发放的商业银行个人住房贷款，由银行代借款人到昆明住房公积金管理中心申请个人住房公积金贷款，同意由管理中心批准，公积金贷款与银行贷款的替代品&第一受托人银行贷款，后更换贷款基金的投资组合&的贷款。

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。