商业银行

But the effect on the information content of net income per share and the net income per share after deducting nonrecurring profit per share is not significant.

导致公允价值计量对商业银行每股净利润和扣除非经常性损益的每股净利润的信息含量的影响不显著主要有以下几个方面的原因：首先是样本数据少的局限性导致在公允价值和历史成本两种计量方法下，收益的差异不显著；其次是当前我国商业银行的主要收入来源还是没有流通市值的存贷利差，在估计其公允价值时，存在更多的主观判断而导致的计量误差；再次是监管部门没有把公允价值损益纳入资本充足率中，投资者不认为公允价值损益能传递价值信息和风险信息，因而较少关注公允价值信息；最后，我国证券市场是一个年轻和不成熟的市场，其内部结构和外部环境都处在急剧变化之中，这种大环境和结构性变迁不可避免地影响到研究的结果。

Risks arising from the lack of a set of scientific and efficient risk prevention mechanism, the incomplete establishment of the national credit system and the morbidity of the relevant legal regulations have gradually become the bottleneck for notational commercial banks' credit for private auto consumption.

由于目前我国商业银行自身还缺乏一整套科学有效的风险防范机制，加上我国社会信用体系尚未完全建立，与个人汽车消费信贷相关的法律法规还不健全等，风险问题已逐渐成为商业银行个人汽车消费信贷的瓶颈，该项业务的发展受到严重阻碍。

State-owned banks, the once main element of China"s financial system, have long been duty-bound to take the role as financial supporter in China"s progressive reform even at the cost of their own efficiency and profit. However, this kind of balance is, after all, transient. Along with the penetration of reform, the change of the economic growth pattern, the development of other commercial banks and the entrance of foreign banks, competition has become more and more intensive and cruel.

曾几何时，作为中国金融体制主要组成部分的国有商业银行责无旁贷的扮演起了为渐进式改革提供金融支持的角色，甚至为此不惜牺牲自身的效率和应得的利益，然而，这种牺牲所换来的平衡毕竟是短暂的，随着改革进程的深入和经济增长方式的转变，国内新兴商业银行的成长壮大以及国外同业的加入，竞争已变得日益激烈而残酷。

However, because seal running under planned economic system for a long time, the state-run commercial bank credit assets structure is not rational , Business variety - form, of low quality assets, meet the demands of market kind very, This has already become the obstacle of restraining the business bank of our country from developing, improving the profit level continuously.

但是，由于长期在计划经济体制下封闭运营，国有商业银行信贷资产结构不尽合理，业务品种单—，资产质量不高，不能很好地满足市场需要，这已成为制约我国商业银行持续发展、提高盈利水平的障碍。

Based on some supposed macroeconomic models,this paper uses"the degree of dependence on rediscount " of commercial banks to analyse the rediscount policies of contraction or expansion and arrives at the conclusion that "the degree of dependence on rediscount " of commercial banks has significant influence on contraction policy,while no real influence on expansion policy.

本文从若干宏观经济假设模型出发，根据商业银行"再贴现依存度"的不同情况，对紧缩性与扩张性的再贴现政策进行分析，得出了商业银行"再贴现依存度"对紧缩性政策有重要影响，对扩张性政策没有实质影响的结论。

With China's rejoining WTO and the financial sectors open up further to the outside world , it has been one of our important task to establish a modern commercial bank system and build up banks' competence of our country.

随着我国加入 WTO 和金融业对外开放的进行，尽快建立现代商业银行制度，提升我国商业银行的竞争力是我们当前面临的重要任务。

With China's rejoining WTO and the financial sectors open upfurther to the outside world , it has been one of our importanttask to establish a modern commercial bank system and build upbanks' competence of our country.

随着我国加入WTO和金融业对外开放的进行，尽快建立现代商业银行制度，提升我国商业银行的竞争力是我们当前面临的重要任务。

In this paper,the different behaviors of bank reserve management were analyzed by using two general equilibrium models.

通过建立商业银行储备管理的一般均衡模型，对有准备金制度和零法定准备金制度下的商业银行的储备管理行为进行了对比研究。

But up to now, the accrued methods of reserve for bad loans in commercial banks both at home and abroad all should be accrued according to certain percentage of loan balance and the accrued methods of reserve for bad debts are not precisely linked with expected losses of risk assets in commercial banks.

但是，到目前为止，国内外商业银行呆帐准备金的提取方法都是按贷款余额的一定比例提取，没有与商业银行风险资产的预期损失精确挂钩。

The first part is the sum of expected losses of market risk, credit risk and operating risk. The risk of losses in the part should be prevented by reserve for bad debts accrued by commercial banks. The second part is the sum of contingent losses of market risk, credit risk and operating risk at certain confidence level, and the risk of losses in the part should be prevented by capital at risk. The third part is the sum of losses of market risk, credit risk and operating risk that beyond certain confidence level, and the risk of losses in the part should be prevented by deposit insurance system.

第一部分是市场风险、信用风险和操作风险的期望损失之和，该部分损失的风险用商业银行自身提取的损失准备金来防范；第二部分是市场风险、信用风险和操作风险在一定置信水平下的意外损失之和，该部分损失的风险用商业银行自身的风险资本来防范；第三部分是市场风险、信用风险和操作风险超出一定置信水平外的损失之和，该部分损失的风险用存款保险制度来防范。

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。